Hi Post I have SAR'd the whole lot... dealership, DG, NU, WF... ...and all of them are coming very close to failing to comply (about 5 days left). I have also had a final response from welcome regarding the misselling issue and yesterday found that my complaint had been closed and marked as resolved by the welcome muppets... ...thats why i ask, am i now in a position to put the account into dispute while contacting FOS... Cheers

Hi all I have insurance on my welcome finance agreement that i believe was misssold, i have just V.T my vehicle but welcome are arguing i owe them over £1000 for insurances. I agurged that these had been missold (trust me they had). Welcome have since sent me a letter saying that the issue is not with them because i bought the car from a dealership and therefore my issue is with the dealership...Is this the case or can i put the account on hold while i complaint to the FOS Please can some one confirm my position... cheers

lol, thanks for your help dipply....but i give up:eek:

hi all, is there a specific tempate that you can use to send to welcome to start a reclaim of missoln PPI please and if so where... Cheers

Hi Post... Any news on the agreement yet please:confused:

hi post ggj sending you something via private message will you take alook cheers

It seems this is a very arguable issue at the moment see the previous post by POST GGI, I too want a definitive answer on this...but may not get one, are you sure the bar stewards haven't workied it into the agreement because if they have then they could argue it is declared... ...i think...

thanks ste, nice too know the forums protects its members from the enemy... your ok leaving it out post ggi has all the info now cheers

Ta.

And the commission issue, have they managed to sow that one up... cheers

My current position (thanks to you post and the forum as a whole) SAR'd every M.F:D (garage, wf, nu, dg) CCA requested WF Have v.T the agreement but they say i still have to pay £1700 for outstanding insurances (originally) since my SAR request this has strangey dropped down to around £1000. I cancelled my DD and put the account into dispute. (cheeck barsturads then said thewy would default me for the insurances i didnt know about and had to keep the agreement open...i haven't:D Went to hand the car over but have knocked back the garage that was coming to collect it after he guarenteed that RAC would not inspect car at auction (they dont come out now to the home) but when i phoned welcome they said it gets examined at auction...yea right...screw that) went to see the car garage and after some few heated exchanges i think i might be able to get them to play ball re the commission issue, will be able to confirm this monday when "the boss is back off his holiday" ...but honestly i expect the run around... Can i nail them in court is my big question

Here you go POST [link removed] http://i614.photobucket.com/albums/tt225/welcomefinancewarrior/agreement1.jpg much appreciated

lol i sent you it twice over last 21 days but didn't want to pester you and seem impatient, i know running a private conquest can be tiring... will post it on here 2 secs There is an "Acceptance Fee" on the agreement at £195.00 2 secs

Mind you I'm starting to worry now because the acceptance fee on my actual agreement is £195.00 and the "fee disbersmemnt" on the High puchase statement is at £195.00 could they arge that i had written notification by virtue of the fact that it is on the agreement or is the accpetance fee on the credit agreement something else

plus look at the random ad hoc fee... has this been rolled onto the balance and subject to interest... Is that allowed:D isn't a fee a fee and not subject to interest, furthermore nobody ever discussed with me an ad hoc fee... ...oooopppss how silly of me, what a silly billy nobody told me about insurances either... Oh well Can some one please give me some advice on how to proceed... I would very much enjoy hitting them hard and fast with maximum impact in terms of financial damage and reputation (whats left of it) Please advise

Hi post here is the link what do you reckon http://i614.photobucket.com/albums/tt225/welcomefinancewarrior/welscumagreementcopy.jpg my local branch were more than happy to hand it over when i walked in and said i am prepared to make a settlement MUPPETTS

Hi post ggi sending you some more info, i have my full hire purchase loan statement i think i can prove where the extra £200 has gone remember my account at 13,440 but all of a sudden it was at 13,640 on the agreement... Welcome £200 up right... WRONG when i actually looked at the agreement they are charging me 13,440 so where has the £200 gone FEE DISBURSEMENT (AKA BROKERS COMMISSION PAYMENTS)... at £195.00 I'll post 2 secs

Hi post ggi just wondering if thee's any news re-my unwelscum finance agreement... i undertand you must be busy so no sweat... cheers

So it is only a moral argument then and not one of law. I thought that once you put the account into dispute, under the CCA it freezes and no defaults are allowed to apply... If they are applied would this count as malicious damage to credit rating... Have i got the jist, or legally are they allowed to default our files.

Dont mean to be rude in light of your anger andi_303 but can you be more specific. Even though they do decimate your credit file are they really allowed, and if there not how can you apply to get them removed. cheers

Sorry didn't realise, me being a newbie and all... Hope things get better...

Hi can someone post the link to the "account in dispute for non-compliance template" It takes quotes from the CAA on there when it talkes about the creditor not being entitled to contact any third parties including credit reference agencies... thanks

I'm pretty sure its in the CCA... 2 secs...

Furthermore, they can't just come and take the car (if you have paid more than a third of the balance) so don't let them...if they say they have a court order laugh you would have been notified of any impending action. My genuine advice to mate would just be to send the account in dispute letter in. Find the one on here about 10 pages back... Then sit back relax and float down stream...i'll wager your case is the same as 90% of others on here...re the secret comission issue...

lol since no one else is talking... i'm no expert, others could advise you better...but i do know this. If you haven't decided to stop paying the agreement completely now, then you bloody well should. Send them in a letter saying that you are putting the account into dispute. this will automatically mean that the account freezes until they provide you with the information. also make a complaint to the FOS in writing telling them that you have put the account into dispute due to non compliance... You can find an excellent template on hear that will do the job... Yoour questions: Will this shut them up? No, they will just ignore you and keep sending the letters but can't enforce the agreement without a court order which they wont do because otherwise they will have to realease information on the SAr and they know this. So this begs the question why not realese the SAR in the first place...something to hide i'll wager. You are in a strong position dont roll over. Anyone else please feel free to add what i have missed...