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    • I am going to try and explaine in full details from start to present and see if you have any advice for me on what i can do.   on 15/1/2021 16:25pm i was traveling along hazlebarrow Road wich is on my estate at around 30mph, its a tight road with cars parked along the left hand side, as i proceeded through, a van ( which was parked on my left hand side, facing towards me) pulled out from the side of the road, he stopped the van wich resulted in the van being at an angled stationary position on the road. I breaked immediately but the ice and snow skidded my tyers, i skidded into the drivers side of his van, my car bounced off his van and sent my vehicle head first into the back of a parked car ( wich was originally parked at the back of the van before he set off from the side of the road. I will refer to the van driver as MR S. ( im going to attatch a street view picture and diagram which will be more helpful in understanding how the accident accured ect) .    The owner of the parked car, which i will refer to as Mr T came out of his house. Myself, mr S and mr T exchanged details and took photos, then i left the scene as my first concern, understandably was to contact my midwife and the hospital. I live just round the corner from the scene of the accident so i slowly drove my car to my property.   I contacted Go skippy the next day 16/1/21 and informed them of the accident and gave them all the details ect.   by the following monday 18/1/21 i had a call from AX who said they was dealing with my claim as go skippy will not deal with it as i am third party insured. Over the next few days, i complied with their requests ( gave them a written statment of what happened, sent them pictures of the damage to my vehicle and MR S van ect).   Then on the 19/1/21 AX contacted me again and asked if i need a curtesy vehicle, my first response was ' how much will that cost me?' Of which she replied ' nothing because your insurance covers the cost'. I agreed to the curtesy vehicle and the vehicle was delivered to me on the 20/1/21.    Over the coming weeks, AX and i had regular contact about my claim and updated me in regards to my own vehicle. At one point she said it could be deemed a 50/50 liability.   An engineer had collected my car, deemed in a total loss as the damage was more than 66% of its total value and written my car off . i had a call from a lady from AX and she said they have valued the car and i will be payed out £2200 . i asked when and she said ' we will send you a cheque out for £358 in the post, and the remaining balance will be payed out by Admirel but this may take a few weeks more' .    I didnt hear nothing for around 2 weeks so i contacted AX again for an update, she told me that admirel are refusing liability and there now in dispute. Every time i contacted them they said the same thing ' admirel are refusing liability'.   i asked them why admirel consider them not liable and she read from the notes ' MR S said he was driving along the road, the corsa ( my vehicle) was at high speed coming towards me , i beeped my horn and tried moving out of the way but i couldnt because of the ice and the snow and the corsa hit my van' ( complete lie!!)   The lady at AX said the problem is that the damage to both our vehicles is consistant with both our stories and due to there being no witnesses, no cctv or dash cam footage- no one can prove who is at fault.   I then questioned why i had been told i was being paid out £2200 and she said 'well we have to advice you the estimated value' of which i replied 'no, there was no 'advice' - i was told it was a done deal i was getting paid £2200 and she told me i had a cheque arriving in the post!!!.    The lady then told me she had requested a ' none prejudice payment' from admirel and waiting for a response.     Shortly after this phone call, AX contacted me again and asked if i had the funds to repair my own vehicle or buy another one, ( im.assuming admirel refused to pay the  none prejudice payment).   I told them No i do not as i have a baby due and even if i did have the funds, why on earth would i fork out to repair my own vehicle when i wasnt at fault ?! . she said ok im going to pass this to managment and see what we can do .     I contacted AX again and asked for an update and expressed how unhappy i was with their service as i felt like they hadnt fought my corner, bowed down to admirel and then had the cheek to ask me to repair my own vehicle . Again she said ' its still in dispute, admirel are not budging i have to pass this on to management.   She then asked me for 3 months bank statements to 'prove' i dont have the funds to repair my vehicle myself. I thought this was ridiculous and stated that even if i had the funds, why would i repair my own vehicle when im.not at fault!?   Obviously this has been on going since middle of january, pretty fed up. My brother come to this forum last night to seek advice And had a couple of replies that i may be liable to pay for the hire car costs.   I contacted AX first thing this morning regarding this. I made it clear that they can collect the vehicle to stop the daily charges as i do not want to be in thousands of pounds worth of debt when i am a lone parent with a new born baby. the lady told me ' we will try every avenue to recover the cost from Admirel for the hire car charges, if this means taking them to court, even if this is unsuccessful, considering you comply with your hire vehicle contract and you work with us with your claim ( which you have been doing) you will not be liable for this debt and if worst comes to worst and admirel will not pay, we will just wipe the debt off' .   i made her repeat several times that i will not be liable for this debt and she said i have told you my name, and these calls are recordered and i am telling you that this debt will not be on you to pay . She then said that if i was to give AX the hire car back now, then it would jepordise everything. And she said ' we gave you that hire vehicle because we beleive your not at fault so you can keep using it as we know you need transport'   I then questioned the need for bank statements again and she told me the reason they need bank statements is so if it goes to court - AX can justify why i needed the hire car for so long ( because i dont have the funds to repair my vehicle or buy another one) and also so they can prove they have tried every root possible.      After the phonecall it got me thinking about how she said ' aslong as you comply with your hire car contract your not liable for any charges for the hire car' .   Will they find any fault with the contract just to try and lumber me with the debt? As it seems pretty fishy how they would just ' wipe off' thousands of pounds if admirel refuse to pay.    And also, she said if i gave the hire car back it would jepodise the case . so when the lady rang me the other week asking if i had funds to repair or buy myself a new vehicle , if i had said yes, ill buy a car tomorrow and come collect the curtesy one. Then what? Wouldnt that ' jepodise' the case?      As you can imagaine, my heads spinning. Stressed and dont know what to do. I dont even care about a pay out , i just want to give the hire car back and be completely done with AX . but now im scared if i give the car back i will be lumbered with thousand of pounds worth of debt from the hire car charges.    What can/should i do?    Thank you Gemma
    • Hi Ade,   Stop speaking to them by phone and keep contact in writing only, which you've said you prefer.   Send TT a SAR by post immediately. The data you get back should enable you to see what they think you owe, and how it's made up.   Also write to BW Legal confirming you dispute the alleged debt owed to TT and have written to TT seeking data, so BWL must stop demands until TT have replied to the SAR you've sent them.
    • Please do although obviously I don’t know the facts from your side but at least I can tell you how much of a cut and paste job it is.
    • Please check back for a full reply tomorrow. However, it would help if you would introduce pergo spaces into a story full stop it's very long and especially for people with small screens it's very difficult to follow when it is so compacted.   I think this straight has become rather confused because of the third party account which we received at the outset. I think it will probably be helpful if you could repost your story but on a new thread and more openly spaced please.   Then we can start to have a closer look at it. However, as I've already suggested, I think there are two issues. The question of your liability in the accident and the problem of how you have been persuaded to take a rental car at such a high rate.    I would suggest that you hold off telephoneing anyone until we have had a closer look.before you do anything on the telephone. You have obviously had some very important conversations but you don't have any evidence of them. Although the other side may say that they have recorded them, you you may find it difficult to get hold of those recordings if in fact those recordings incriminate them in any way. for instance if they have promised you that you don't have to pay anything for the hire car, that would be an extremely useful conversation to have but you may find that it is difficult to get hold of.   please start a new thread it will be much easier to continue from there                                
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
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I sent a letter to Welcome Finance on the 12th May to request a refund of all premiums and intrest on my account as they mis-sold the policy. They just added it to my account i wasn't even aware i had PPI until i looked at my credit agreement a few weeks ago.

How long should i give them before contacting tham again as it's been nearly 4 weeks already.


Also does anyone know where i can get my agreement checked as i have a feeling that it's not legit, And judging by everything else i've witnessed and read it wouldn't supprise me


Thanks :)

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if you scan it to your PC and remove all your personal details (e.g name, address account No, signature) then you can upload it to photobucket and post it in here. Then hopefully someone will take a look for you :) Out of interest when was your agreement taken out?


In my dealings with welcome I found they just didn't answer so I kept writing every 3 weeks or so until it was time to raise the grievance with the FOS.

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the loan was taken out in December 2006


I'm having trouble with my scanner at the minuate so i can't post it onto the forum but once i've sorted it i'll post it.


I'll send them a letter for an update on the investigation and see what they say


Thanks :)

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I'm affriad I know very little about CCA but hopefully someone who does willl be along soon. I would say though its very hard to read (the prints too small) it might help if you could make it clearer at all? (or is the copy you have difficult to read?)


Does the annual interest rate say 55.50%????? If so that is outragous?

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Just thinking out loud but this document doesn't appear to have a way for you to opt out of the PPI? (I think usually theres a box to tick if you want it) unless I'm missing it?


If so did you get any other docs where you have actually agreed to the PPI?


Also I thought that over a certain figure for interest rate was considered extortionate (I'm sure I read it somewhere). Wonder if someone more knowledgable could also advise re the interest rate?

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It's the copy they sent me it's very hard to read.


It says the annual interest is 65.50%, i didn't realise it was that much they told me alot lower when i took it out.

But it doesn't surprise me as when i first got accepted for the loan they said it was for the full amount i'd asked for but when i got there she said they couldn't give me that she then said she would give me half of it even though she shouldn't but she really wanted to "help" me. At the time i was desperate i really needed whatever i could get and being so niave went for the first thing i was offered.

What i huge mistake and even that's an understatement :-(

I didn't even know i had PPI until a few weeks ago it was never mentioned to me, i can't see anything about opting out of it either. It was all sent in the post but i didn't recieve anything about PPI,


Thanks for your help, hopefully i can get this sorted A.S.A.P

Edited by animal_lover
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hi animal lover

do not send any correspondents to your local office.

send every thing to welcomes compliance department in nottingham.

welcome are very good at ignoring you as the term trained monkeys operate at local level.

prepare for battle as they hope you will give up and go away.

a few questions to ask

was the person who sold you the policy qualified to give advice and selling

did they ask if you had any medical problems that may invalidate the insurance

double check that you do have insurance,

find out who the policy is held with as welcome only sell the policy at a fat commission.

if they do not tell you do an sar and do check YOU DO HAVE A POLICY

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An SAR is probably a good idea anyway cause from my own experience their paperwork can be awful and may aid your claim (they even sent my friend confirmation of the big fat commission figure their sales staff got for selling them PPI!).


I guess you should be able to tell if you are paying for PPI by the amount of your monthly payments compared with the figures on that CCA (I tried to see if I could work it out but the figures are very hard to read!).


I can't believe the interest rate is 65.5 that is outragous!!


I know that a copy of your credit agreement must be readable so it might be worth requesting a legible copy of your credit agreement when you are making your SAR!

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Hi, Is the compliance department at the same address as there Head Office, I'm sure i've seen it somewhere but i can't find it.


was the person who sold you the policy qualified to give advice and selling

I'm not sure,


No they didn't ask me about any medical problems i had,


It says on my Credit Agreement under Insurances

1st person PAP(Don't know what that is)

"Optional" Payment Protection Insurance

Does that help?


I'll send a letter tomorrow asking them who holds my policy, and if i still have one


Thanks :)

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hang on a mo

ill dig out the address

when you send in your sar request the info on the person who sold you the policy

ask them if they were qualified and what profesional qualifications they hold

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hear is the address

welcome financial services ltd

compliance dept

ruddington fields business park



ng11 6nz


you have a good case allready if medical questions were not asked

but be prepared to issue a court n1 for them to start talking to you

you will then have the court behind you for them to release documents

lets hope this time it does not come to that

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maybe a mod can send a pm to peter barred on this one to check the agreement

i know in my case the acceptance fee and the total ammount for credit was welcomes downfall a no no

im sure a cagger who knows ppi will be along to lend a hand

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in relation to this welcome have a habbit of putting in an acceptance fee before calculating interest

racks up the profit

again a no no

peter barred is your man on this

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Thank you, I'll post it tomorrow

It would be great if someone could check it, I have a funny feeling that it's not right somewhere.

How do i go about getting Peter Barred to look at it?, Do i have to send a pm to a mod?

I'm easily confused :)

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mods regular check the threads so they will prob to it

ill check back in a few days

again in my case the agreements welcome do are nothing but bog roll,

but they could be getting better at it

may i ask when did you take out the agreement

all i can say at the moment is you are in good hands on this forum

welcome gave me four years of hell before i found cag

you realise now welcome is my pet hate

they are nothing but loan sharks causeing misery to untold people

once they get there claws into you it is hard to get out

you can get out useing this forum, you just have to pick at there unethical dealings

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ok great, yep i don't think i've spoke to anyone who has a good thing to say about them, if i could go back in time i would'nt of taken the loan it has completely ruined my credit file. but i suppose everyone thinks that.

Do you think i'll have good cause to ask them to remove the default as for 1 they didn't give me a notice or whatever it is there supposed to send and i also fell behind with payments now i've realised i've got PPI that's probably why. i'm sure i could of kept up with the payments had it ov been for that.

I took out the loan in December 2006

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the last thing welcome will do is default you

they want to squeeze every last pent out of you

yes if they have now defaulted you a default notice will have been sent out first

your sar will reveal if any

if no default notice no default should be on your credit file, be be prepared for battle

i had to take them to court for my default

do you remember signing for ppi

you hear horror stories of it being added later for commission for the salesman

like i said, been there done that so i know how they operate

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I don't remember signing anything for PPI, but even if i did i wouldn't of realised as nothing had been mentioned about it.


I don't remember getting a default notice and the default is on all 3 credit files and on one of them the account is down as closed

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Subscribing and wishing you good luck - am pulling all my info together for my complaint with these gits.


I know the 'I really want to help you' best friend routine they use - smiling while ripping you off when you are desperate - you're not alone there ; )


Oh, and different company but about the extortionate credit thing - I got some junk mail in from Provident advertising loans at 183%!!!!!!!!!!!!!!!!!!!

Can they even say that, I mean, seriously????!!!!!



I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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it's unreal 183% how can they justify it.

although it shows you just how much Welcome have ruined my credit file i couldn't even get a loan with Provident less than 6 months ago, i didn't realise there interest rate though

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Subscribing and wishing you good luck - am pulling all my info together for my complaint with these gits.


I know the 'I really want to help you' best friend routine they use - smiling while ripping you off when you are desperate - you're not alone there ; )


Oh, and different company but about the extortionate credit thing - I got some junk mail in from Provident advertising loans at 183%!!!!!!!!!!!!!!!!!!!

Can they even say that, I mean, seriously????!!!!!


Oh my word.. that is outrageous.. :shock:

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