Welcome Car Finance - New Agreement - quite long

[Mummy_of_Five]

Hi Guys,

 

We have had numerous problems with Welcome Car Finance and have been told by people on here that our agreement is unforceable (welcome don't seem to think so). We were phoned on monday by an account manager about why we haven't been paying our account when we "agreed" to a payment plan in February, we didn't they took the money from my husbands bank card (visa electron) and left us overdrawn and unable to pay the insurance and tax for the car and refused to refund it back to my husbands account and basically told him to drive the car with out tax and insurance. She then discussed my husband issues and agreed to look into the account and send us the information. Today we received the info and according to her all of their calculations are right we owe them the full amount (still over 6 grand) and need to contact them a.s.a.p to make arrangements to pay. They have also offered us a 50% discount on the account if we "manage to accquire the money" and pay it in 21 days.

 

My question is :- Why would they offer us 50% discount on the account? If they were sure we were wrong wouldn't they just default us, repo the car and then take us to court for the money owed?

 

We have paid 1 or 2 payments in about 18 months as they are in default of the account from a previous lot of letters that they haven't responded to.

 

Any help or advice about how to go with this will be greatly received.

 

Mummy_of_five

Edited July 17, 2009 by Mummy_of_Five

[Mummy_of_Five]

Hi Guys

Has anyone got any email addresses for Welcome? Especially a complaints email or a managing directors email.

We've had many problems with welcome for years now and i have just about had enough. We want to get them sorted. We need to buy a different car (new baby on the way) and we want to sell ours but can't til welcome are sorted.

Thanks in advance.

Lyndsey

[pwg6565]

Morning Mummy of Five.

 

As far as I am aware no email address is current with Welscum.

I have used this link a few times and my complaint has reached the thieves. Give it a try.

 

mailto:[email protected]

[mark1arby]

Hi

 

My husband and I, like lots of others on here are having LOTS of problems with Welcome Car Finance.

 

Long Story fairly short

 

April 2005 needed a bigger family car. Seen an Espace in a local garage. Went in and got the car on finance with Welcome through a "friend" of the garage owner. Thought everything was fine and dandy apart from the APR but needs must so we got the car. In May 2005 husband had a very serious brain operation and I had to leave work to look after him and our then 3 children (I was also pregnant with #4). Tried to use the PPI but was told we couldn't as we weren't eligible to use it as I was working for a temping agency, then was told we should of never got the finance because of this too. Needless to say we missed payment had charges added ect and couldn't afford the monthly payments. Had loads of problems and they then wanted us to sign another agreement for the balance left over another 60 months. Didn't sign because I had seen the type of tactics they use because of this site. Asked for the CCA then but never got it. Didn't pay for over a year as we couldn't afford the payments and no one contacted us about it. Now being rang everyday for payments - husband gave his card details to them as he was told could contact them to make the payment and if we couldn't pay they wouldn't take the money, ha ha ha they took the money. We contacted them to ask for the payment to be returned but they basically said there was no chance. Decieded to CCA them.

 

We received a copy of the loan statement with all our payments and charges and a printed copy of the agreement. Pictures by mummy_of_Five - Photobucket

 

Is this agreement enforceable as they have added the acceptance fee to the rest and I think it has then getting interest added on it? We paid them for 3 years and missed the fourth, as explained above, but we still owe them just over 6 grand.

 

All help and advice would be gratefully received as I think they are trying to take us for a ride with the amount we still owe.

 

Thanks

 

Mummy_of_five (Lyndsey)

 

Sorry I don`t know if I`m doing the right thing here, but it seems Mummy of Five caught the attention of post and Andie 303 ( anybody know how she is)? And then didn`t follow up on whether the advice had been taken. Or what any outcome of this advice was.

 

I think some one could help a little more here. Mummy seems happy enough to do things her self, but may be a little push in the right direction from the likes of your good self pwg or post et al, would be sensible idea, before she attempts further contact via email.

 

Sorry if poking it in, at the wrong time as they say.

 

Cheers, MARK

[Mummy_of_Five]

no one ever really carried on helping me out like some people get help.

 

I am willing to try anything anyone suggests, but we really need to get it sorted a.s.a.p.

 

We still haven't paid them anything since this last message i posted on here, but the account has seemingley been sent to a DCA - but its the same company, as far as i am aware.

 

Any help is appricated.

 

Thanks Lyndsey

[postggj]

Hi Mummy Of Five

 

Did You Have Your Own Thread

 

Its Unlike Me To Miss A Welcome Thread

[postggj]

You Have Quite A Few ThreadS On Welcome

 

Can You Give Me A Full Update Please And What You Have Done So Far

[postggj]

Mummy Of Five

 

Post A Time Your About Tomorow Afternoon Or Evening

 

Seing That Statement Of Price Has Realy Made Me Angry

[Mummy_of_Five]

hiya.

 

i probably wont be about much tomorrow, but will be about the next night, just name a time after 10ish and i'll be here to talk.

 

We haven't really done much. We CCA'd them (as above message) and have tried SARing them. No info was recieved by us and the postal order wasn't returned so i dont know what happend with it. I have tryed to complain to a guy called Pete Ball in central recoveries, after i recieved a letter from him about all our information on the credit reference agencies was correct (we didn't ask for it), but he told me that all the info was right and that basically he wasn't going to do anything bacause the account has been sent to the DCA, and that any problems with the PPI need to be sent to the complaints department.

 

We haven't paid them anything in about 18 months and the only things we have recieved is the letter from mr Ball and a letter from a DCA. We haven't even recieved a default letter yet, but i'mm guessing they have defaulted it.

 

any help or advice on what to do next would be really appricated

 

Thanks Lyndsey

[postggj]

who is the dca

 

lewis or cl finance

 

do you still have the recorded details ref the cca and sar

[postggj]

send me a pm

 

shall we say 10pm on friday

 

that will give me time to go over the agreement

[mark1arby]

Cheers post. thought this lady could do with a helping hand.

 

Happy New Year.

[officejet1000]

Are we still requiring email addresses for Welcome? I have for Compliance, Complaints & PPI Refund Team if it helps

[mark1arby]

Are we still requiring email addresses for Welcome? I have for Compliance, Complaints & PPI Refund Team if it helps

 

Post them all up M8. I can`t see a problem with that.

 

It will give them something to keep them busy for a long time. I shudder at the thought of answering all those Emails. lol. They may even keep somebody on to do that. lol.

 

Cheers, MARK

[beyondhope]

I wouldnt count on it Mark they cant answer queries by post with full staff let alone receiving emails as well

[Mummy_of_Five]

hiya

 

no i haven't got any of the postage things for the proof of posting for the cca or sar.

 

erm i think the dca is lewis.

 

thanks Lyndsey

[postggj]

mummy of five

 

sent pm

 

give a link to the thread please where the info is posted up

[Mummy_of_Five]

hiya postggj

 

i know you are busy but have you had a chance to look at my docs yet? i really could do with your advice on what to do with regards to welcome.

 

Thanks

 

Lyndsey

[postggj]

All Finished

 

Just Finishing Typing Up

 

See Me In Morning

 

Its Good News

 

Just Confirming By A Phone Call In The Morning

[Mummy_of_Five]

oh right okay, thanks, it is appriciated.

 

do you have a time for me to be on tomorrow morning?

 

Lyndsey

[postggj]

Try About Midday

 

Its Just I Like To Confirm Things Before I Get Peoples Hopes Up

[Mummy_of_Five]

ok, thanks.

 

i'll definatly be about around then, i'm looking forward to seeing what you have to say.

 

Thanks, talk to you tomorrow.

 

Lyndsey

[jaydee1]

Welcome Finance are the most annoying company i have ever had to deal with, i have been in disspute with them for 2 and a half years in which the same time i have not made a single payment to them, lots of threats to take me to court but no real action, rang them didnt want to speak to me, so brill i now chase them and i meen buisness chasing. I got some legal advice...found the fair debt collection practices act and found out they have breached my contract of finance with 18 breaches of loan sharking and harrassment and physical abuse.....big no no, so im now taking them to a magistrates court to clear my credit file and debt and a sueing payment to me for the stress of chasing them, so began proceedings sent them letter...do not reply to me if you agree you have breached my contract of finance with these clear unlawful breaches by such a date to reply...guess what no reply sent them second letter telling them when court dates were, got a post dated letter from them for the first letter...great thing about this is royal mail stamp date on letter when letter processed letter post date dont match by far the date on stamp by royal mail, now got them in court for fraud aswel. the moral of the story is, thats how far and stupid welcome finance will go. there is an email address if you ring up and speak to the right people, personally send royal mail recorded letters nothing can be defrauded.

[ozzywizard]

Welcome to the forum Jay, sounds like you are doing really well with them and you dont need me to tell you to take it all the way.

Im interested in what you meant by physical abuse, anyways with your experience if you can help anyone with questions im sure it would be appreciated as thats how we work here advise from consumers to consumers.

 

If possible could you start your own thread were we can chat to you and see were your upto etc.

[Mummy_of_Five]

hi post

 

just wondering if your around and got my messages yesterday about why i wasn't around.

 

Thanks

 

Lyndsey