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Do you have your copy of the agreement? they should have given/sent you one at the start of the loan.

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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just realised yours is a car loan, but still may have admin fee(like their fee for 'helping' you get a loan/car with them,admin as in their fee for sitting down with you for 10 mins and filling out a credit agreement................

cca, you are basically asking for a signed credit agreement

sar - under data protection laws, you are able to get ALL a company has about you , like statements(mainly only up to pass 6 years), agreement, any telephone conversations (in written form), etc...

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the loan is car finance. THIS is where it gets interesting,car caought fire after a couple of months. even though had gap insurance welcome did not want to know. eventualy car clamped by dvla (car tax) welcome ignored correspondents from dvla and vehicle destroyed. unable to tax vehicle as unable to get mot. even though welcome took payment for warinity and ppi, unable for them to produce policys etc

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with reference to my continuing dealings with welcome finance.

the agreements go back to 2002.

personel loan agreement is headed


personel loan agreement regulated by the consumer credit act 1974 monthly paid on trade premises


car finance headed /hire purchess agreement regulated by the consumer credit act 1974 on trade premises.


for these agreements to be enforceble should they be headed credit agreement regulated by the consumer credit act 1974 and that they are not properly executed agreements


any ideas thanks

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2 threads merged please stick to this 1.






I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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threads merged :-D



HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link


GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE


Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.


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as i said court action beggining against welcome finance 28/09/07.

on the modified agreement matter ,is that legal. do they have to do a complete new finance document or is the modified agreement letter acceptable in law.

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