ok..lemme start at the beginning.
april 2008 got car finance from the dreaded welcome after contacting a car dealership who specialised in bad credit finance, chose our car, a 53 plate renault laguna, after only looking at pictures emailed to us ( daft i know but it was over 250 miles away) and speaking to the salesman. finance was arranged by welcome for £5,000 over 48 months(£167.68 p/m)(total payable £8298.40)
went in their local office to me in Exeter and signed the paperwork and traveled to a sister garage in Bath to collect the car, on arrival the garage didnt know who we were, knew nothing aboutthe car and didnt even know how much deposit we had to pay.Anyway took the car, stopped off for lunch and a closer look round the car only to find 2 large nasty dents on the back, 3 bald tyres,scratches that looked like it had been keyed and the service light permanantly stuck on.
called the dealer and he said take pictures of it and send them him as hed not even seen the car
ok...so got home after a 3 hour drive and did as he asked and emailed him the 'evidence'. he then arranged for us to take the car to his garage in Liverpool(6 hours away) to have all the problems looked at, a respray of the scratches and the dents pulled, amongst a list as long as my arm.the car was there all day and the only thing they did was redo the service as we argued it wasnt done properly in the first place and he said they didnt have time to respray it or pull dents as we turned up late! we arrived at 830am after a 6 hour drive!
the saga continued so i contacted welcome to see if theyd help...seeing as they actually owned the car now...help?? they dont know the meaning of the word!
since june 2007 i have been writing to them so they have documented evidence of all the issues we have, in the end we stopped the direct debit to get them to listen in july 2007 and hey presto! they called to discuss options.
the options were..start paying and we'll sort the car problems for you, so with no other option we bagan paying over the phone by debit card(refused to reset d/d untill problems sorted)and we really thought we were getting somewhere when they agreed to get the car inspected for us and pay for the repairs and respray, like always this was just verbally and nothing ever put on paper, after being passed round from office to office and never getting calls returned when promised, i called every day and nothing for weeks...untill......ta da! we missed a payment, the calls began again.
they asked us to get a quote for the repairs, which was going to cost us £150,money we havent got, contacted my solicitor for advice and he said it was upto welcome to do/pay for the inspection as they offered it,told welcome this and they said their garages had shut down(as we all know welcome car finance has gone down the pan) and they could get the rac to do it.
then again..nothing for weeks untill i started getting calls from the collections department because we missed a couple of payments. told her about what my local office had said and she told me there was nothing on the account screen saying what theyd do and they dont normally pay for repairs especially resprays and they certainly wouldnt get the rac to look at it unless they were repossessing it.
up went my hackles!
so..long and short of it....weve payed out nearly £1000 on this car in a year to make it roadworthy, welcome are denying any knowledge of previous conversations and nothing is documented.
After reading another thread on here i dug out the agreement and realised we only have a white photocopied version, not the yellow and blue ones we should have (i also have a personal loan with welcome,which i have both yellow and blue copies of)
our most recent statement (20th may) shows we owe £7595.87 despite only missing 3 months payments to get their attention over the past 14 months,which they actually havent asked for.
ive had phone calls from them non-stop both at home,work and my mobile, some-one knocked on my door and as i didnt answer they came throught my double bolted driveway gates,knocked on my back door then proceeded to knock on my back windows via my garden!..my kids were petrified! and they have the cheek to charge me for it despite them not making an appointment to call at 830pm!
i made a complaint to my local office about this and said it was trespassing,they agreed to take my work number off my record also.
from reading the threads in here my next step looks like its going to be sending a CCA request and a SAR request to them, the letter for harrassing calls got sent off today...recorded delivery of course im also going to write and ask for all my charges back.
We just want them to help sort the car out,seems like nobody wants to take resposibility and the longer they leave it the harder it is for us to prove the faults were there at time of purchase despite sending them a list just 3 weeks after collecting it.
this is really getting to me now and ive got to the point where ive even looked at getting a loan from elsewhere to pay off the car just to get rid of welcome
phew! sorry for waffling so much......welcome have a lot to answer for!