thanks

You guys are super fast, sorry for breaking rules

Thanks for the link

Have not heard anything from welcome for three months, now received letter today from Lewis Debt Recovery giving me two days to settle £4500 debt, says final demand, I phoned them and they are saying that there won't be any extra costs and they are sending me a personal living expenses form. I am to fill it in and make a monthly payment offer. Can't find company on companies house, welcome have not advised me of the debt company, does anyone know of them and is it wise to go along with them? If so is there any advice in what would dbe demed as acceptable expenses as I now live with my partner and he should not have to pay any of the loan by way of me not chipping in to the bills, rent and such to pay welcome/Lewis. Below is my previous thread with all background. http://www.consumeractiongroup.co.uk/forum/welcome-finance/238298-please-help-dont-know.html#post2646903 Any help advice would be greatly received as I have no idear not been in this deep before

Have not heard anything from welcome for three months, now received letter today from Lewis Debt Recovery giving me two days to settle £4500 debt, says final demand, I phoned them and they are saying that there won't be any extra costs and they are sending me a personal living expenses form. I am to fill it in and make a monthly payment offer. Can't find company on companies house, welcome have not advised me of the debt company, does anyone know of them and is it wise to go along with them? If so is there any advice in what would dbe demed as acceptable expenses as I now live with my partner and he should not have to pay any of the loan by way of me not chipping in to the bill and such to pay welcome. Any help advice would be greatly received as I have no idear not been in this deep before. Regards Dizzy

Nice to see you back postggi:) everyone was worried about you! dizzy

Thanks, have agreement and will upload when I can get to a scanner. Thanka again, Best Regards Dizzy

Stopped paying Shortly after giving back the car in september as could not afford the hp repayments then paid 30 for a couple of months and then stopped paying altogether in november they won't come to agrement on any further payments saying they will exept 30 a month but its not enough and keep adding charges to account so I said that am not paying anymore due to it not having any affect on bill. This was a HP finance in 2007 and was re-written in 2008, was not a bad payer over that time. Just had a huge change in my life that left me very short for money could not have planned for it. They re-wrote it to bring down the payments in 2008. Then in sept 2009 I could not go on paying the amount they wanted it was just above my means. My account manager keeps ringing and has also sent me a letter last week saying that they have an exciting offer and I should phone them asap (have not done this for fear of pressure) they did offer a 50% settlement a while ago already and that was 2K, could not afford it. Still feel so stuck with them after me, Dos anyone know some place I can take my hole SAR and have somone look at it for free or somin as I don't have money to pay a solicitor to take hours looking at it. Am so confused with it, some days on the account log there has been six charges and payment transactions. Dizzy

you should request a SAR, template below, enclose £10 postal order make sure its crossed. You will then find out exactly what they say they have done, and how they say you owe what they say. Could be good news for you, its the only way to find out what the buggers have done. Make sure to send recorded delivery! Send it to and wait 40 days Subject Access Request WELCOME FINANCIAL SERVICE COMPLIANCE RUDDINGTON FIELD BUSINESS PARK RUDDINGTON NOTTINGHAM NG11 6NZ 　 [your address] 　 　 [their address] 　 [DATE] 　 　 　 Data Protection Act 1998 Subject Access Request 　 Dear Sir/Madam ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account) Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you. I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets. If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them. As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 Data Protection Act subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch. 　 Yours faithfully, 　 [signature] PUT A CROSS THROUGH YOUR SIGNATURE 　 [name] I am not an expert but have some experience with these people to this stage! Regards Dizzy

Hope he is ok,one of the best, so many posts! have been looking at my SAR, they are making more on all thier different charges than intrest lol, also have so called copys of letters that they sent me (not) and have been charged for them. they have my car (on VT) I have paid nearly half the forcourt cost to them over two years and they still want just over 4k. Dizzy

+3:)

Is postggi still around? cant seem to PM

Hi postggi Have now received the SAR, can you give me some pointers as what to look for, maybe a list of things to check. There is alot of paper work, and the amount of charges on the log sheets seem high at first glance. No termination notice that I can see and no current PPI. Best Regards Dizzy

Hi, just a little update, received a letter of acknowledgement from welcome today, only the SAR I sent them stated only one account number, as thats all I had on the last letter they sent me. This letter states what looks like four sets of account numbers, only had the account re-written once to make the hp over a longer period to bring the payments down, was in 2008. So not sure about the other sets of account numbers. Also they say they only received it 16/01/10 thats more than a couple of weeks after I sent it, have checked on the postal website and there is no confirmation on there, so I am assuming that it must have been delayed in the postal system, some how. Best Regards Dizzy.

thanks, will do

thanks, will do.

Received a letter and info on policies that welcome opened up these policies are PPI, Shortfall extra insurance and Mechanical breakdown insurance plus. Included was the wordings for each policy. The letter was very short and said that enclosed is the policy wording for the policies we hold on the system for you. The letter sort of suggests that they/I still have these policies, but when I phoned them before to request the details they said that the policies were no longer live. They have not given any details to confirm or open up any further on this, dates active when it was cancelled and such. Still no news on the SAR from welcome. Dizzy.

Have phoned Direct group and they have said that there was three products registed with them but they are not active now. This is so odd, I asked when they were added and it turns out, it was three days after I took out original hp agreement with them (HP taken out 04/04/07 and the PPI products added 11/04/07) I asked for more details and they said that because I am not live with them anymore that I should ask welcome. So it seems that maybe these 3 PPI product were added and taken off without me having any knowledge. Can't wait to see the SAR, have also looked for statment from 2007 and am sure that I have never received one. The three products were, total loss insurance, Payment protection, and some sort of mechanical breakdown insurance. Don't know how long they were active for, very odd! Have had 6 calls from them yesterday and today, not answered them tho ;-) as want to ignore them for now! Dizzy

Many thanks for all your responses, sent SAR just before christmas as could not raise the settlement figure they wanted (2200) think they still have around 10 days to respond. I have looked and have no paperwork or knowledge of PPI being added at any time and remember saying no to it at point of sale, just worried that a fast one may have been pulled after seeing all stories of it happening to others. Will phone company, postggj, to check this did not happen to me. All is appreciated very much! Thanks again, Dizzy

sorry for the delay have been away for Christmas with family, I have not received my sar nore have they confirmed recept of it. When they came and took the car it was on the uderstanding that it was a voluntary hand back that I had agreed with them, they keep phoning and I am at the point were I'm refusing to answer as it is all beginning to stress me out.

No they have not yet terminated the contract yet they say we still have to pay the amount on the original HP agreement, and we have not received a default notice as yet also as far is I know no PPI was added not at my request anyway, will need to see what they say on this one. They are ringing me tomorrow to see if I have raised the £2200 to settle the account. I have not managed to do this. I expect them to ask for some money tomorrow as have not payed last month or this month, just seems like if I pay them say £30 tomorrow it won't actully come off the debt will only cover the charges they seem to keep adding for phone calls and interest. Will send subject access request after tomorrows phone call from them, then I will know what they expect me to do, to comply with them. Many thanks for your advice, it really helps to know that someone is there who knows what goes on in thier industry as I have not got any idear and have not been in this situation before. Thanks again 42man Dizzy.

Hi am in a total muddle with welcome have voluntary given them back my car they have sold it. Not telling me anything more and say I now owe them £4400 when i gave them back the car i said it was because i could no longer afford the repayments of £130, they said it was fine and I could pay £30 a month until I could afford to pay more. They are now saying that my account is now in arrears and has been for the last 3 months by £100 each month and that, interest is due for each month. They did not tell me this at the time I started paying £30 a month. I have explained that I cannot afford more and they say that I should continue with £30 a month as a token payment untill I can get back up to £130, i explained that If i could afford £130 I would have not given up the car, asked them to draw a line and make new aggrement of 30 for how ever long it would take as long as 30 came off what I owed and not just £30 off new interest penaties and £25 out side call charges they keep adding. Have as good as begged them to take me to court to get some kind of repayment agreement cos I can’t get another loan to get them off my back. They have offered a total settlement with 50% discount but have no way of getting hold of £2200. What can they do if i don’t pay anything on the grounds that they will not reduce payment to a level I can afford. They have said that they no longer reduce payments for anyone. Also how can I still have a HP agreement with them when neither of us has the car to hire or purchase? What a rubbish company they have never sent me statments or any letters regarding the sale of the car or anything only letters stating £25 outside call charges, all they do is keep ringing me until I answer and demand cash whatever they think they can get. Had paid nearly half the original cost in the first place plus the sale of car they must be evens with me. Dizzy :-0

Had a look a the CCS website looks like I should call them, thanks again, just feel like I'm in a mine field with welcome, I don't know anything about thier industy they know that and try to take advantage. Dizzy :-0

Thanks dx, hope someone will pick up for me, did not know so many people were going through the same and many more going through worse, they are bad people don't know how thier staff sleep at night, they must treat it as a big game, a sick one at that. Its not like I don't want to pay its just they are so demmanding and unreasonable. Dizzy092

Many thanks for your supportive words Kupcake and congrats on getting rid of the sharks;)