Thanks Oily, I've read the DVLA rules previously and am a little confused because it doesn't say that a car must have a current MOT just that:- ********** of a type that needs an MOT or heavy goods vehicle (HGV) test certificate ********** So do I presume that it doesn't need current MOT? Well I'm going to have to go and try it next week! On a separate note - sorry for maybe sounding dumb - but if I pay £105 to put it on retention, would I then still have to pay £80 to then re assign to a new car in maybe a few months?

I think that's what I'll do at end of month - SORN it. It just all comes down to who owns the car at the moment? Surely it is still my car until they get a court order to repo. Could they get me for not MOT'ing? Would it have to be insured by myself until they repo? Cos what if some little rascal decides to come and smash a few windows or scratch the car - is it their car now or mine until court order. Would love it if it's theirs and it happened!!!!!!!!!!!!!!!

Cheers dude. Would like to do it this week however I don't get paid till either 30/4/10 or 1/5/10, so can't afford to do it till then. Tax disc runs out 30/4/10, do you reckon I'd get a few days grace to do it in first few days of may?

Any thoughts on the above? It's just that the MOT and tax runs out end April, guessing they won't repo car very quickly?? But stuck as to whether MOT it and Tax it. Have another car to start using anyway. Would save me a lot of money if I didn't need to, so long as I'm not breaking the terms of the agreement, but then I guess I've been terminated from that - right!!?? Who knows what welcome think!? Plus as the car is now 'just sat outside in the elements' wear and tear/rust/ etc.. could set in? Would I have to keep the car insured. I'm presuming not but anyone had any experience of this? Thanks all

If my account is supposedly terminated, who's responsible now for the upkeep of the car? It is still in my possession, however if they have terminated the account, and then surely have to still get court order to repossess? Am I liable for the car when it is terminated basically? Any ideas?

What king of figures are the capitalisation amounts? If they are round figures (eg £5, £10 or £20) they may be hidden charges!

It looks like there could be a number of charges etc and additional interest applied to your account. Some guys on here are great with figures so you may need to post up your agreement (minus your personal details!) so someone could take a look. Have you had any statements from them? This should detail any 'abnormalities' they added onto your agreement. You should be able to reclaim them. I'm in that process at the mo. What I would suggest is you send off a Subject Access request. That will detail all the activity on your account, including your agreements, statements and all contact between you and welcome. They are a most interesting and eye opening read! Looks like you have definitely been stung, like many of us. Take a trail through many of the threads on here.

Fantastic news. Well Done!! Fingers are crossed so bleedin tightly that mine will materialise!!

Yeah wannabe must!! must catch up on the thread. WOOHOO!! hit 100 posts on my thread. Do I get a medal?

So the car doesn't need to have a valid MOT? Because on the DVLA website it's a little unclear!

Beyond, Without reading thru your thread again (it is long!) you had paid over 1/3 or 1/2 hadn't you? can't remember. And I seem to recall they repo'd without court order! You must be laughing!

Hey everyone - hopefully quick question, can't find any answers on any other thread so far i'm afraid! I have my car which has been parked off the road for last 2 months. MOT ran out end Jan 10. Tax runs out end of this month Apr 10. I have a private plate on the car which I need to remove and can either transfer it onto another car or I can put it onto retention. Question - Do the DVLA allow you to take a plate off a car that is not MOT'd? I would love to keep the plate however I don't want to possibly incur the charges of fixing the car to get it through it's MOT which maybe considerably more than the plate is worth (in money not sentiment!!) as I am about to get rid of the car. Any info would be so appreciated. Thanks in advance

Love their response letter, so does that give the answer to how much you have to pay???? (minus the car value? they repo'd!). You're very well organised beyond. Wish I had more time to be like you, need 2/3 days off work to get all my stuff in order again.

Beyond, yeah that seems to be common consesus. cannot get my head around them. They really do not know what they are doing! Following your thread with great interest as I maybe heading there (with luck?? if they repo car witghout court order). I have 3 outstanding issues in their hands at the mo. 1. PPI and other insurances reclaim from 1 st loan. 2. Charges reclaim. 3. unlawful repudiation (btw you ever get a response to that? - or just the repo of the car?). Tax and MOT run out on my car end of month, not sure whether to renew them.

Quote: Originally Posted by grantyblade Does seem many new DN's sent out last week. I recieved my 2nd! 1st sent 24/12/09. Xmas eve!!! I'll let you work out whe i recieved my TN!! 14 days they gave me. You think that included all the non-post days like xmas day, 26th & 27th (bank hols) then the weekend plus new year. It's a hoot. Therefore DN - invlaid. & TN invalid. Plus i'd made my regular payment on 31st/12/9. i VT'd them in feb on basis their TN was invalid, but wouldn't accept. So I accepted their unlawful repudiation. Now they send 2nd DN dated 3/4/10 (recieved 10th). So again is my account terminated? Live? terminated? live? terminated? live? if it was live surely my VT should stand? WHAT A JOKE!! If you did indeed receive a Termination Notice, that is it. Account terminated. No wonder they wouldn't accept your Voluntary Termination, since they had already terminated there was no agreement for you to voluntarily terminate. Understand? Similarly they cannot issue a second Default Notice, since there is no active agreement, expressed far more eloquently by BRW in one of his posts. I believe you have 2 choices now, sit and wait for them to take you to court, or start action against them yourself. postggj is the expert on this, if you haven't already start your own thread and PM postggj. Oh, and don't pay them a penny more! :grin: Cheers IainHL, Yeah haven't paid anymore. Sent my VT between their DN and TN. I do have my own thread tho:- http://www.consumeractiongroup.co.uk/forum/welcome-finance/250269-opinion-please-welcome.html Just can't get my head around why if they've terminated, do they send a 2nd DN!! I know nobody else quite gets it either. I am playing a waiting game. Hopefully my account will be TN'd for 2nd time imminently. Got a small dilemma with the car tho, as the tax & MOT run out end of this month and do I MOT it and tax it further? Surely if they Terminated agreement in Feb, am I still liable for this? It's a funny old game!

So does anybody think that because they sent a 2nd DN, they admit that their 1st DN was defective? Although this 2nd one is too? What position can they be in to send a 2nd one if they had sent me a TN. Can they send a DN on a terminated account?

Some fantastic work there guys and gals. Some vvvv useful links and info to help us all out with constructing our arguments further. Really appreciate it. It really is a laughable mess they are getting themselves into. They are as confused as me I guess at what they are attempting to do or what status peoples accounts are. Live? Terminated? In dispute? Does seem many new DN's sent out last week. I recieved my 2nd! 1st sent 24/12/09. Xmas eve!!! I'll let you work out whe i recieved my TN!! 14 days they gave me. You think that included all the non-post days like xmas day, 26th & 27th (bank hols) then the weekend plus new year. It's a hoot. Therefore DN - invlaid. & TN invalid. Plus i'd made my regular payment on 31st/12/9. i VT'd them in feb on basis their TN was invalid, but wouldn't accept. So I accepted their unlawful repudiation. Now they send 2nd DN dated 3/4/10 (recieved 10th). So again is my account terminated? Live? terminated? live? terminated? live? if it was live surely my VT should stand? WHAT A JOKE!!

Cheers dx, yeah i've read about them on here, just need to find the damn thread again with the template type answers!!

*bump*

Finally got my letter sorted and the charges worked out. Can anyone look at the letter and confirm that it's ok, please? ]Thanks... Dear Sir/Madam Agreement Number xxxxxxxxxx I purchased the above Loan from you on the 26th February 2004, however included with the loan were a number of additional insurance products, namely Payment Protection Insurance, Mechanical Breakdown Insurance, Emergency Recovery, Shortfall Insurance and Collision Call. The reason I am writing to you is that I believe that all of the aforementioned policies were missold to me for the following reasons;- Your salesperson did not tell me that these policies were optional I have subsequently discovered that these policies that I was forced to have are in fact optional. This has left me feeling extremely hurt and disappointed at the fact that your salesperson has clearly taken advantage of my lack of knowledge for their own and / or their companies gain at my expense, not just once, but on several occasions. At no point was I offered a quote without insurances attached to compare the cost, at no point was I told that these were optional, in fact as mentioned before I was informed that these policies were a necessity to be able to offer me the loan - a "fact" I know now to be untrue. I feel extremely let down and misled on this matter, I had expected that I would be treated fairly as per your obligations to the Financial Services Authority, however on several occasions I have been treated extremely unfairly and so want matters resolved as a matter of urgency. I am now requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. The total amount of insurances that have been paid on this account equates to £2617.57 and the interest charges applied at 8% equates to £1007.69. Therefore the total claim is £3625.26. A full schedule of these charges is attached I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint. Yours Faithfully, Is 8 weeks correct or should I expect sooner? Thanks

Hey guys, Saturday AM recieved a 2nd Default notice!! Is this possible? They sent me a DN on 24th Dec 09, which thankfully is defective (from the feedback on here). They sent a TN beginning of March, which again is defective (again from feedback). I sent them a VT beginning of february. Now I sent them a letter accepting unlawful repudiation middle of march, is this 2nd default now trying to out do the first? I still believe however that this 2nd DN is defective, not at home at moment to scan but will type relevant details below:- 1. The covering letter doesn't say WITHOUT PREJUDICE this time! 2. The letter is dated 3/4/10 - easter saturday, recieved letter sat 10th. (kept the envelope) 3. In letter the following paragraph is enterred ast the bottom - " This notice should include a copy of the current Office of Fair trading Information sheet blah blah blah. If it is not included, you should contact us to get one." Now I didn't get one, I thought they MUST put one in?? 4. Then it tells me I should urgently contact the undersigned on the letter - BUT no signature from them and no name to contact!! On the actual DN it says (in brief!) 1 Served under section 87(1) of the CCA 1974 2. Date of notice 3/4/10 3. To remedy breach must pay arrears of XXXXXX within fourteen (14) days. 4. Further action etc etc may be taken 5. DN - not signed Obviously now having recieved this 2nd DN, I need to know where I stand. Any ideas or help anyone would be most appreciated. Thanks in advance

Hoogie, I'm no expert on the figures side but after your payment on 31st march you would have paid £5801.48, I reckon. (on 17/3 they state on their DN you had paid £5415.48 + the 386 paid on 31/3). And the 1/3 you have to pay is £5742.45. Therefore you have paid over 1/3 and they have to get court order. In terms of the date of their TN, you didn't get the 14 days to remedy. You wouldn't have recieved the TN until 1st April at earliest if 1st class post, therefore by the time the TN is served a 1/3 had been paid. Even on 31st, 1/3 had been paid! No judge could deny that??? Thats my opinion

Hoogie, Have you definitely paid over a 1/3 of the balance yet? If so they must obtain a court order to take your car away, They can repossess though if you haven't as far as I'm aware. Still if you have defo paid over a 1/3 and they don't have a court order and they come to take car away, let them. Put up a little fight, don't give them keys, don't sign anything. If they repossess without court order and you've paid over half or a third they are in serious doodoo. You will be able to take them to court for the car back and all monies ever paid to them. I'm currently fighting unlawful DN and TN although they haven't threatened to take car back yet. I've paid over half. Don't know if that helps, just what i've learnt from here.

So not fantastic then? Did they add up to much? You thinking about contesting further? It cannot cost them £5, £10 or even £20 for a phone call or letter! Or even £25 for a visit when their office is 1 mile away!! Did they just refund off the balance/arrears(if any?) or send you cheque?

Cheers!! I shall scribe this evening. Enjoyment.