Hi me an my partner got a car from welcome in november last year it is a ford mondeo 2l tdi ghia when we got it the documents said it was a zetec sport he told us if you sent the docs off they would change it. We sent the docs of to dvla a few weeks later we got them back saying that they couldn't change it we would have to take it into ford to get it sorted. surley welcome should have sorted this out before they sold it is there anything i can do.

Hi alanfromderby no i haven't sent a dsar think i will have to thought it would b easy as the other catalogue just said they would not chase the debt as they haven't got a signed agreement and it's through the same company. Guess i will have to get one sent off

thanks for that emma, i've just filled the form in online do i add the interest on this form b4 i send it off or do i add it later, an if i add it now how do i work it out i've tried to do the spreadsheet but haven't got a clue. Need to get it sent off cause i'm gettin phone calls from dca again

can anyone help

please help:confused:

Just recieved another letter dated 9/11/06 saying: This matter has now been referred for litigation and placed on a sue list. Failure to make payment in full or make a reasonable offer will result in proceedings bein issued. Once proceedings are issued you will be liable for additional fees, costs and interest and this will increase the amount due substantially. This is your last opportunity to avoid court proceedings, no further contact will be made prior to issue therefore contact our pre litigation department today on our dedicated litigation line.

What can i do in reply to this letter

Do i now go to the courts and if so which form do i get an how much will it cost me...I'm stuck now please help

recieved a letter from the dca sayin that i had turned down the offer an now they are asking for the full amount again. Can anyone help what do i do now i think it's off to the courts for a form but not quite sure what form

Hi sorry sam not been on for a bit had a couple of funerals so not really been on. I asked for a signed agreement but they never sent me one i then recieved that letter which i didn't reply to they then sent me another letter sayin i could pay back 50% and then it would all be cleared off ( was wondering why they would do this) I have now recieved another letter from Horwich Farrelly solicitors which has the same address on it as the other company telling me it they will be issuein a county court claim against me an i may be able to avoid extra costs by contactin them with my employment and income and expenditure details...which i won't be doin......Don't quite know what to do nx. The fashion world one ended quickly lol they just said they had no agreement so they would take it no further so why would the same company still pursue the other one

hi sorry i haven't had any replys to it so i can't help you if i do get any i will forward them on

recieved a letter off robinson way this mornin sayin please c the attached letter normally sent to solicitors and other representatives it reads:

In relation to your requeat for a copy of the executed agreement under section 78 of the Consumer Credit Act, we would refer you to regulation 3 (2) (b) of the consumer Credit (Cancellation Notices and Copies of Documents) Regulations 1983. In it you will see that there is no requirement to provide a copy of the agreement bearing your client's signature.

We now refer you to the Terms and Conditions in the catalogue which clearly state that by ordering and subsequently recieveng goods from the debtor is legally bound by the aforementioned terms and conditions of membership.

The debt is therefore fully enforceable and we will continue to pursue the debtor for it until the account is paid in full.

Can anyone give me any advice on this please asap

Thankyou

see my turn to have a blonde moment lol just found a copy of the lba i sent it on the 12th september doh

Thanks Karen25 i'll take a look an print it off now i'll put that one in the post today an the one for response to full settlement 2moro lol

lol kerrie78 i have plenty of them

Thanks for that i have written a letter out but am a bit confused now, this is a copy of my letter

Response to settlement offer.

Dear Sir/Madam

Thank you for your letter dated 18th September 06.

I repectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on this account, totalling £320.00.

I will accept the sum offered only as part settlement and on the clear understanding that i will pursue recovery of the remainder, with a County Court claim if necessary.

My letter before action sent previously indicates that you will have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale.

I trust this clarifies my posistion.

what is the letter b4 action? hope someone can help i'm gettin a bit lost lol once i get my head round this one i can start on lloyds one for b/friend

hi all sorry not been on 4 a bit had a bit of trouble at home. Anyway i sent me letter out an have recieved a reply dated 18th september , it's the normal we will reduce the £20 fees to the £12 fee so they are offering to take £128. off my bill instead of the £320. I am now gonna write a letter sayin i will accept that as part payment but i intend to go for the full amount. Has anyone got a copy of a letter like that just so i could have a look b4 i write it. Thanks

after sending of the letter for the signed agreement how long do i give them i sent one of ages ago and haven't heard anything from them but have recieved a statement with the £1 postal order took of the amount i owe

OK thanks for that i will get my letter typed up tonite an in the post 2moro cheers.

Will keep u all posted

Does anyone know the answer to my last post before i send my letter off.

Please Help

I have a statement missing from sept 05 which they said they are trying to get and will send it to me as soon as they get it. Do i have to wait until this statement comes before i send the prelim letter off. Also i have a card protection on it one for £35 and one for £50 is there anything i can do about these. Thanks

ok thanks for replying i will get the letter typed out 2nite and get it in the post 2moro. Cheers

i've added up the late payment fees and overlimit fees and they come upto £320 do i have to add the interest on this an if so how so i do it. Are these the only things you add up or do you add the purchase interest rate as well (i'm a bit confussed now after sat reading a few posts on here).

Hope someone can help. Thanks

Hi all post man knocked this morning with something i had to sign for when i opened it it was all my cap 1 statements i have had a quick glance through and think they have charged me about £300 in charges so by my reckonin i now only owe them abot 120 instead of the 420 the are asking for. Will have to start readin a few more on here now to see what i do next. Thanks:?

Thanks for that this is the first one i have done as well i have a couple of catalogue ones goin at the min though. Just counted 40 days and that take s them upto 7th september so i'll just sit and wait, let me know how u get on seen as u r just a bit in front of me

hi just thought i'd say i'm having the same kind of thing from NCO at the min through a cap 1 card. I also recieved a card through the post telling me someone was comin to my house i wrote to them telling them the only way i would communicate was through letters an not to phone me or send people to my house as i would not communicate with them. I have asked cap 1 for all my statements as i only had a £200 limit but they say i owe them £495 through charges an i'm not gonna pay the charges just the £200 i owe them i have had a lot of advice from this site it's a great site. I sent my SAR off with my £10 just waiting for them to reply and hopefully it will b sorted i know it's hard but u just have to be firm with them i use to dred answering the phone but touch wood they haven't rang me since i just get letters.