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Welcome finance CAR HAS BEEN CLAMPED .. now claim form from IND


zaidey
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this is interesting

 

the first thing you need to do is send a welcome compliance in nottingham your complaint for there explanation

 

the car would be classed as a gift

 

claming back payments is a gray area

 

can be classed as unjust enrichment

 

ill look into this

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Welcome Financial Services Ltd

Compliance

Ruddington Fields Business Park

Ruddington

Nottingham

Ng11 6nz

 

Acc No

 

Date

 

Dear Sir/madam

 

After Having An Audit Of My Agreement With Welcome Financial Services, And An Explanation Is In Order.

 

The Total Of Credit For Goods Is £9299

Add Insurance £350

Toal Amount Of Credit £9649

 

We Then Add On £150 Cash Deposit

We Then Add On £200 Part Exchange Total £350

 

The £350 Has Been Added Back Into The Loan

So The Total Cash Price Now Stands At £9999 Not £9649

 

To Explain It Better Follow The Short Option Below

 

Welcome Have Added The £350 Shortfall Insurance Into The Cash Price Of £9299 Totalling £9649. A Further £350, Be It Insurance Or Deposit Has Been Added Again. So The Amount Outstanding Has Been Increased To £9999 For The Cash Price. This £350 Needed To Be Taken Off The Balance, Not Included In The Balance.

 

The Agreement Has Not Been Dated Or Signed By Welcome Financial Services, The Agreement Has Not Been Executed.

 

This Is Not A Complete List Of Failings By Welcome Financial Services, I Am Requesting A Response To These Findings And To Be Handled By Your Complaints Procedure With An Issue To Resolving These Findings

 

SEND BY RECORDED DELIEVERY

Edited by postggj
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thankyou very much for this....

 

i do have a hp agreement from welcome which was passed to trading standards that is signed by them and me....i cant remember signing 2 copys tho..

 

but they have the same amounts etc

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havnt they ceased trading? Its about time.:)

(Edit)

 

but then they seem to popup again when their site refers you to another for loans

 

(Edit)

 

Shopacheck is part of the Cattles Plc group of companies, a FTSE 250 company with over 4,000 employees and more than 700,000 customers currently in the UK. So you can trust us to deliver the helpful products and outstanding service you need

Edited by maroondevo52
Removed commercial links

The views expressed on this website are mine alone and don't reflect the views of my employer!

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update for you....

 

had a phone call from local collections unit.

..stated that they are going to pick up the car.

.told them im not allowing them to but didnt give them the paid 1/3 stuff (i want to keep that under raps)..

 

i did ask them about my agreement tho and why have i been charged for 2 x insurances.

.they said no idea ring complaince.

...which i did and complaince said no idea ring your local office lol

 

ive posted the lettet postgg gave me and sent recorded delievery...waiting game again for now...

 

how long should i give them ???

 

and what should be my next move ???

 

ty

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Take care when dealing with Welcome. According to todays paper this group is in some financial mess and Welcome is closed to new clients to conserve cash. If the incompetence shown in these posts were repeated throughout the business, then no wonder they are struggling.

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  • 2 weeks later...

An update ...

 

sent my letter to complaince to deal with and today i had a response from them....

 

in the letter they have forwarded my complaint to my local collection office (great?????) who i have been speaking with for about 9 months including about 5 other local offices...who seem to know nothing and all they want is money and dont know about whats happening etc....

 

im back to square 1 again....

 

the last time i spoke to my local collection office the women argued with me because i wasnt paying..

.she explained to me that im an idoit because she paid her car hp and i shouldnt be allowed to get away with paying mine.

..(nice isnt she)..

.this si the same women who the complaince letter has been sent to and she is now dealing with my case......:???:

 

i now contact the fos and explained whats happened??

 

and thoughts?????

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This sounds like an case for the FOS. You now need to write back to Welcome and ask for a copy of their complaints procedure. FOS will only handle it after you have exhausted the company complaints. Give them 5 days to produce it. If no response complain to FOS anyway.

 

I wouldn't keep writing to them now but I would get a complaint in to FOS ASAP.

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omg help welcome have just tryed to repo my car......its now outside with a big yellow clamp on....

 

ill link my thread in a mo but can you believe what they are doing...

 

i have paid 6000 so far the repo figure (1/3) of agreement is 4505...

 

and they still clamped and saying they going to take it...

 

 

help help

 

link to my oringinal thread Welcome finance help!!!

 

update for you the repo agent is now saying that he will release the car as welcome are """"""" because the repo notice he got in his hand is dated the 28july...

 

ive never had a default notice ...termination or a repo notice...plus the fact the account is in dispute and ive paid more than a 1/3....

 

 

HELP HELP

 

call from repo guy he cant remove clamp until 4pm today

 

Zaidey, just seen your post on the main Welcome thread. OMG! Whats happening?

 

As far as I'm concerned you should be calling the police, will report your post for some help.....

Dipply75

 

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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Will move your thread from here

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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YOUR ADDRESS

WELCOME FINANCIAL SERVICES

COMPLIANCE

RUDDINGTON FIELDS BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

 

DATE

 

 

ACCOUNT NUMBER

 

 

dear sir/madam

 

 

as you are aware repossessionn agents from p&a receivables came to my property on 07/2009 to reposes my vehicle, registration axa axa.

They placed a large yellow clamp on the vehicle causing embarrassment from the neighbours.

Due to an error in procedure they left my property leaving the clamp attached to my vehicle while they confirmed there actions. Later in the evening they returned and removed the clamp and informed me the repossession had been canceled.

 

 

This vehicle currently has a finance obligation through welcome financial services.

 

 

I deem this act of repossession to be illegal for the following reasons,

 

 

1/ to terminate a financial agreement a default notice needs to be served giving the account holder the opportunity to rectify the situation.

 

 

I never received a default notice.

 

 

2/ a notice of repossession has never been received

 

 

3/ the repossession was unlawful as more than a third had been paid on the agreement, repossession in this case can only be legal through a court order.

 

 

4/ the actions of welcome financial services are in clear breach of s90 of the cca 1974

 

 

5/ through the actions of welcome financial services, the account is now terminated and I am released from all liability.

 

 

6/ I intend to submit a claim through my local county court for the return of all payments made under the agreement, full costs uncured and damages.

Under the circumstances unjust enrichment does not apply,

 

I ask that you take this letter as a fourteen day letter before action and require a reply to answer my concerns

 

 

 

ITS AN AMENDMENT TO MY FIRST LETTER

ITS A ROUGH DRAFT AND FEEL FREE TO COMMENT ZAIDEY IF ANYTHING IS NOT CORRECT

 

CONFIRM NO DEFAULT NOTICE RECEIVED

Edited by postggj
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postie

 

id add a claim for damages in the tort of trespass as they have unlawfully trespassed upon the users property and in trespass no need to show that there was any damage whatsoever so it has mileage too

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no worries

 

id certainly add it to the letter, although if they were not employees of welcome then welcome would not be liable themselves, thus you would need to claim against the people who clamped the car

 

but it certainly adds weight to the case

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