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About tintintin

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  1. the agreement was by telephone, nothing in writing. the letter is under section 80. Do you think its worth me doing an early settlement?
  2. Hi, Does anyone know where I can get my agreement checked thoroughly. I have approx £1500 left on a £12k loan and disputed some amounts and received a letter saying they had calculated my agreement amount incorrectly. It's only out by a couple of hundred but can the agreement be void. I want to be rid of Welcome now as they sent me another letter asking if I can tell them where the vehicle is kept...errrr NO. I've only send them around £50 a month as that all i can afford. Thanks
  3. Can anyone help, as i need to draft a letter to Welcome regarding the incorrect amount payable on my agreement. I haven't heard from them in a while and cant now afford to get the car lifted. Your help would be greatly appreciated.
  4. Hi, can anyone advise me how to move this forward? Thanks
  5. Hi Emanevs, Thanks for your time. I'm not sure what you mean about the charges? can you explain a bit more, as at some point I will send WCF a letter and i want to be able to explain what charges i need. Thanks
  6. http://i919.photobucket.com/albums/ad38/tintintintin/page0001.jpg http://i919.photobucket.com/albums/ad38/tintintintin/page0002.jpg http://i919.photobucket.com/albums/ad38/tintintintin/page0003.jpg http://i919.photobucket.com/albums/ad38/tintintintin/page0004.jpg http://i919.photobucket.com/albums/ad38/tintintintin/page0005.jpg http://i919.photobucket.com/albums/ad38/tintintintin/page0006.jpg http://i919.photobucket.com/albums/ad38/tintintintin/page0007.jpg http://i919.photobucket.com/albums/ad38/tintintintin/page0008.jpg http://i919.photobucket.com/albums/ad38/tintintintin/pag
  7. I have the my agreement and a SAR (the only one i managed to get from them) can you tell me how to post agreemnent and statement on here. thanks
  8. Hi all, I've sent a letter to Welcome disputing some of my charges and part of the letter says: I have investigated the complaint by:- - reading the correspondence between you and Welcome Financial Services - Looking at all the payments made to your account - Reviewing your account status as to any arrears outstanding My Findings are:- - The figures on your contract do not reflect the correct total amount repayable. My conclusions are as follows:- - I have calculated the total amount payable for this loan and the amount indicated on your contact is higher than the amou
  9. I was wondering if anyone can help me. I've received a default notice from WCF on the 3 December 2009. They have given me 14 days to settle the debt owed. According to them I still owe them £2,519.70. The total amount payable under the agreement is £11,741.28 and I've so far paid up £10,079.99. I have been behind with my payments but i can't figure out how much i actually owe against how much WCF are trying to rip me off. I've disputed my the amount owed as i can't seem to get my head around some of the below charges I've incurred since I've had the loan. capitalisation 820
  10. I've finally gone through my statement and need some advice regarding the below charges. Capitalisation 820.68 - what are these charges for? Ad Hoc Fee 772.16 - what are these charges for? Credit Card declined fee 5.00 - only 2 credit card payments which were never declined HDPI Fee 70.64 - what is this charge for? Letter Fee 50.00 - no issue Telephone Call Fee 30.00 - no issue Total 1,748.48 Im more interested in Capitalisation, Ad Hoc Fee and HDPI Fees. Can i dispute these fees
  11. Hi, I have just received the requested SAR. I've gone through it briefly and Welcome have charged me nearly 1,500 worth of capitalization fee, miscellaneous fees, HDPI Fees and ad hoc fees. I will go through this statement and I will dispute most of the charges. I am outraged. Will keep you posted.
  12. Just an update, Called Welcome today and they allegedly sent out the SAR in May. This is weird considering I sent the request in June. Anyway they advised that they well send it out recorderd delivery today. I probably shouldnt hold my breath.
  13. Yes i have a receipt from the post office and another with the £10 fee sent. So you think i should call them? how long do they have to submit these before i go to court as ive really had enough now. The last converstation i had with them the wanted me to make a final settlement of £3k including all the admin, phone call and letter charges to me, but i said they will have to prove this, hence the SAR. Thanks
  14. whats a track and trace number? i sent he letter and £10 fee by recorded delivery. sorry to be so thick....can you advise
  15. Thanks for the info. what should i do about the SAR which i have send over 40 days ago requesting all my financial records. Can someone advise me what to do now?
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