ok brilliant. I'll try and find someone else's letter from one of the threads somebody may have sent. If for example i VT'd after 24 months of 48, I presume I ask for 24 * £103.38 (the monthly insurance premiums)(post1) = £2481.12. Nice! Do i ask for 8% statutory interest too? if so do I need to calculate each individual monthly payment + 8%?

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I have the SAR from welcome, is there a standard letter to send to reclaim? Know my reasons for the mis selling. Just don't know how to go about getting a figure to reclaim or should I leave it for them to work out? Can I claim all 5 insurances? (ppi, med care, breakdown etc etc - never used any and I feel they were all totally underhandedly sold to me) Cheers

Hi AJ, Sounds similar to myself. You never know if it's terminated or not. Do you want it terminating or what do you want to get out of it? I've recieved 1 faulty DN and a faulty TN, however I VT'd them inbetween. My feeling is as their DN was unlawful my VT should stand but they say it won't at moment cos of their TN to me. Don't know how to play it myself. Just going back and forth with complaint letters at mo regards many other issues. Although they say my acc is terminated (by themselves?) they are asking me to pay and get my acc back on track. I haven't paid since Dec 09 and won't pay anymore. Although I know I'm liable for arrears I don't want to be stuck with any other balance. I would say that they can't terminate you ( which is my stance at mo) because their paperwork (the faulty DN) is unlawful and wouldn't/shouldn't stand up in court. Their TN to me is also missing key info, therefore I don't believe it's binding. I need help too. Have you paid over 1/3 or 1/2? I have paid over half so they can't repo car, altho I wish they would - unlawfully!! Good Luck - hope that helps?

Any news laverda on your claim? My letter finally went today, busy busy easter. Still don't know whats going on with my account. Sent the unlawful repudaition letter weeks ago. Would just like to know where I stand now. Either have I successfully VT'd or is the account just mutually terminated? How could I find out and know what to do next? Should I write to them asking the above or is it just a waiting game and wait for their next move?

Hey, Got some great help off the welcome threads for a few things now really need to kick start my mis sold ppi and other insurances from 2004. Can anyone point me in right direction with letters and how much to claim please? This account is now settled, VT'd some way through and took out new HP with them. Agreement dated 26/2/04 ppi - 1935.99 mechanical breakdown - 650.00 emergency recovery - 330.00 shortfall ins - 145.00 collision call - 40.00 total premiums - 3100.91 finance charge - 1860.37 total amount payable - 4961.28 apr - 28.4% 48 monthly payments of 103.38 this agreement started with opening balance on 26/2/4 of £15081.12 the account finished on 20/11/06 with a balance of £7890.04. The only figure carried over to my new account was £1000.00. I would just like to know if I have a claim for all the insurances I paid during this time? And if so how would I come to work out what amount to ask for? Fortunately I was cleverer on my 2nd account and didn't get stung for any insurances. Thanks in advance

is there a time scale i should put on for a response?

Well yes looking at the charges they are all round figures for either £5, £10 or £20 so they are charges as such for telephone or letters. One very worrying one is there is a charge of £400!!!! and a £92.75. Neither of which make sense looking through the statements. Claim letter going in! Hope they send cheque though and don't redress my balance or maybe arrears with it. Although I have had a letter saying they've terminated my account and so I can't VT and can only Voluntarily Surrender (which I won't be doing) they still send letters for me to make a payment to get my account 'back on track'.! Laughable!

Looking at claiming back the telephone charges etc they have added to my account, but I have a question. On my statements there are the 'Ad Hoc' and 'Capitilisation' fees dotted around 'willy nilly'. Can these be claimed back? Or under what circumstances could they be?

Hi Lynda, If you've gone over 50% then just do it. Quite clearly states on your Agreement that you are not liable for any further charges after you've paid 50% (only any arrears). If you're convinced tht this £90 shouldn't be there, it will more than likely be some hidden charges they will have applied. Basically get your SAR and fight them over the £90. The two loans are separate agreements and should never affect the other. If you have read many other posts and are concerned about harassment etc draft the letter thats on many of the threads to them and get them to stop! To start with get your VT in NOW, recorded delivery. Fight the £90 charge after.

So you reckon I should draft my reclaim letter, wait for official official official confirmation that my account is terminated by ME and not them? As far as I'm concerned it is by me, pretty sure a judge would see it that way?

Brilliant - in terms of the charges should I wait and hope the account is properly terminated so therefore the refund would come off my arrears? Or if I do it know will they just take them off the full balance which I won't be paying anyway!!!!!!

seen your thread laverda, thanks

laverda, fantastic letter, thank you. Anyone had any success with welcome and charges? I've just realised on my statements that they've charged me for apying by cheque certain months. £1.67 charge! I was never told it would cost me to pay by cheque. Do I add interest to these charges too? At 8%?

Beyond, they sent DN on 24/12/09 (Welcome working xmas eve!) don't think I recieved til 29th/30th, I didn't pay much attention to it, thought ridiculous as I hadn't missed a payment in ages and next payment due 31/12/09. I Paid as usual 31/12/09. Thought I wouldn't pay anymore after this point so I sent a VT 19/2/10 REC DEL, although they said they didn't recieve until 1/3/10. They sent me TN mid feb. They say I can't VT cos of their TN. But I believe their DN and TN invalid. No mention of repo yet, just letter 2/3 days ago saying if no payment made onto account, the account would be leaving their office. If I did make a payment after their DN would that then mean the DN is void and should be rescinded?

Roxy, Don't know exactly how it works with whatever agreement you had. Was it a PCP or HP? If it's HP you will be in a situation similar to mine. The law on HP is that when you have paid a 1/3 of the agreement, they cannot repossess the car unless they obtain a court order, if they repossessed it without one you would be laughing, take them to court. When you have paid 1/2 the amount on agreement you can just hand the car back without being liable for any other charges. The amount should be detailed on your agreement under Termination - Your rights. Did they serve you with any Default Notice or Termination Notice because as I have learnt recently, many of these can be deemed invalid and unenforceable. Reasons to this is because of incorrect wordings, insufficent time given to remedy your account etc etc. Because you have now Voluntarily surrendered your car I'm not 100% where you may stand. What paperwork did you get around this time? I would suggest you send a SUBJECT ACCESS REPORT request. It will cost you £10 but they have to send you every little scrap of info they hold on you, it can be very interesting and may hold the key to helping you out. Good luck

well still haven't recieved a response to my unlawful repudiation. Just want welscum to admit that their DN and TN are in valid and therefore my VT stands and I can wash my hands of all of it, then I'll come to some nice payment for my arrears. Whilst in the meantime ask for many charges back and the PPI from first loan. Just scared bout playing all my cards too early? But evidence is evidence? If I prove it to them now they may see sense? Long shot I know.!!!

Laverda, Since your (invalid) DN have you made any further payments or planning to do so? or have you been in contact to discuss paying? Are you trying to keep the car? I'm not wanting to keep mine (have paid over half), I'm trying to prove that their DN and then there TN are invalid therefore my VT to them should be valid and should be acted upon and am aware that I would have to pay arrears. They wouldn't/couldn't repo car unless they issued TN to you. I'm really interested to about how to claim back many many letter and telephone charges added to my account, how do we go about doing it? Can we? Especially the telephone ones as welcome always asked me if i'd like them to phone me a day or two before paymwent was due to remind me to pay. these were supposedly 'courtesy calls' but i've been charged each time!

Sorry to hear your predicament at the moment. Been through similar things. Get your letters off ASAP and as everyone else says don't give them any more info. I'll see how I can help. Just to let you know, you left your name on one of the agreements you'va attached

So do you think I should play my cards about the unlawful repudiation and go into detail about it if they think their DN is fine (depending obviously if they reply as they did with you) and play the won't stand up in court line etc etc and see what they say. Hopefully then they will realise what they did was wrong and therefore my VT should then become legal!? Iw on't call them anyway. Where are these forwarded accounts going? To cattles or to a 'proper' outside DCA?

I shouldn't be worried that they would come and repossess yet should I? they haven't mentioned it yet? Car is just in residential parking area in a bay marked for my car. I have private plate on car, guess I should get that removed ASAP!? If they did repossess with my plate on it, could I claim theft? What if they took it with any of my possessions within it? Guess I may need to start a new thread? What about when I give them car back and the number plate will be different from their paperwork!!

Laverda, Just read your posts, seems like your in similar position as me - read Opinion vs Welcome thread!. I've had same (invalid) Default Notice and on the back of that had a (presumably invalid) Termination Notice. I've been trying to VT them in between all this and they are playing hard ball. Have you recieved TN? Can I ask are you wanting to pay them and keep car and just annoyed at them or are you trying to get rid of it and just pay any arrears etc.. without being laible for full balance. In my case I'm trying to get rid of car, be liable for arrears and if I can find any more info from this site maybe reclaim any unlawful charges etc. Welcome have sent me a letter this morning saying my account will be leaving their office at end of month. Hoping that they repossess car without court order!! Have paid over 1/2 agreement, just got arrears. Not paid since Jan 10.

Attachements! Welcome Finance Forms :: response1.jpg picture by grantyblade - Photobucket Welcome Finance Forms :: response2.jpg picture by grantyblade - Photobucket Welcome Finance Forms :: response3.jpg picture by grantyblade - Photobucket

Just recieved 2 letters from Welcome this morning, firstly is their response to my list of complaints which they deem as their FINAL RESPONSE and they reject my complaint. I sent them an unlawful repudaition letter last week, should I wait their response on that or should I write back now about not accepting their FINAL RESPONSE? The letter is attached. My local branch also re-sent the (invalid) DN along with a letter asking to clear arrears and it states that my account will be leaving the company on 31st march 2010! Where is it going? Holiday to bermuda? Letter also says they have been trying to contact me and can I phone my local branch!! Should I?