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    • I have a reply on the RSA life protector!   Email the other week from the Natwest Customer Concerns Unit advising the investigation is starting now and they want to understand the complaint and call me.   I replied and said please write or email as I didn't want to speak over the phone.   Another email today asking for my number so they can update me and can send a response once they have spoken to me.   I'm sure I read before to keep this all in writing and not engage in phone calls?   Cheers   E!  
    • O/H has had first pfiser covid dose today, DIL had it a week ago  (both patient facing NHS) DIL had the relatively minor sore arm issues for half a day so its ... probably ... not psychosomatic   J&J vaccine coming along. O/AZ is also being made and distributed in India with India selling on to others although significantly, its not approved in the EU or US.   Express and mail (and other usual poopulist/nutter cheerleader rags and web pages ) are spinning conspiracy crap around O/AZ NOT being approved elsewhere ... .. but there is more justification for conspiracy crap around its early approval here it seems to me ..  . and the lack of approval in the US and EU seems unquestionably tied to those (dodgy?) O/AZ test data issues    
    • Just a update:   I received a email today:   Further to our meeting yesterday please find the invitation to a disciplinary meeting as discussed.   It is likely the meeting on Thursday next week will be held online by Zoom or WhatsApp unless you would prefer this in the office. We currently have a procedure where only 4 people are in the office at any one time and this would need to be booked in advance.   Please acknowledge receipt of the email and please advise if you would like a hardcopy of the letter.   The manager explained that they would send a email with all the details, and why I was getting a disciplinary for?   I just hope as I not had this, maybe a written warning? Hence : “ would like a hardcopy of the letter”    what do you think?
    • Thanks for your replies. I tried searching for my post from a while back but could not find it. Yes I believe I did send the statute barred letter a couple of years ago and haven't heard another thing until the letter today. I will send another SB letter to Global Debt Recovery and see what happens. I don't have any credit card numbers/ agreements just debt company reference numbers so not sure if I can send CCA request as well. Thanks Paul 
    • Thanks for your reply. So are the tenancy one of the same thing?  convert-jpg-to-pdf.net_2021-01-21_20-37-05 3.pdf I always thought they were sitting tenants (regulated) because they moved in there in 1984, and it’s a private landlord not a housing association property.   The particulars in the claim are very arguable. The only deterioration was caused by the LL when they attempted to bring the property up to a safe standard.  Parents have maintained the property as far as decoration and basic repairs but nothing structural. Waste is all they left from the works. We have evidence to back this up also.   Will seek further advice, but I asked you kind chaps here just to be sure   Oh just to add, the property as of last month is registered with a fair rent as a regulated tenancy. The solicitor for the LL said the courts would handle the tenancy as if it was a secure tenancy? Which confused me a bit
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      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.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

U Can Car Credit (AKA Welcome Finance)

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Hello all, new to the site however that I will start in another thread.....


I took a vehicle out back in December '06 with said company as my credit history is not filled with butterflies. Upon my visit to the Car Craft centre in West Midlands I was told this should only take an hour, and according to their current TV adverts, I was assured. I was there for almost 6 hours, felt like a lifetime and was treated poorly. I finally got to choose the car I wanted with my wife and knowingly went ahead with the agreement. The agent that took forever was not very well equipped in knowledge or care, but still we agreed to a £250 monthly spend. This £250 monthly budget was never taken into consideration and boy did the sales agent push all sorts of expensive vehicles our way, but we settled on a Vectra. Now since this obscene sale we went away to wait for the agreement to be "Finalised" and sent to us. When we got this it was more like £500 a month more than anything! I had this parts insurance, of when the hand brake failed and my vehicle ploughed into the back of another the replaced only the hand brake.......The parts insurance did not cover this nor the damage caused to both my and friends vehicle (co-worker luckily). When I had a major electrical fault, this was not covered either miraculously enough. These problems took me time to sort with Car Craft, the garage, and not welcome themselves. I then felt that it was time to review my current "Insurances" and cancel the lot, except the current Shortfall Insurance, of which I currently not happy paying for either. I got my payments down to now £283.06, including what U Can called a top-up loan of £1000 (Additional £36.20/month). This I am still not happy with and fixed for a four year term costing a small fortune with a continuous Electrical/Handbrake issue on the vehicle itself and damage caused due to these obvious defects. This makes me angry and to see that its happened on more than one occasion with Car Craft.


I went on holiday in June and called Welcome up and asked that they give me break on one payment, they agreed and asked that I cancel it with the bank just to make sure. I went ahead and did this of course and went on my holiday. I called Welcome up upon my return and notified them to re-activate the direct debit, they again assured me that a confirmation would be out in the post. I never received this and continued on my merry way, planning for Christmas (A 10 year family reunion). I noticed in July that my Direct debit did not draw, as I did not receive any confirmation as yet I left it and again it happened in August. At that point a letter was sent to there office to see what action is being taken to resolve the matter as I was concerned now for two months the direct debit did not draw. I did not receive any response to this letter, but got a "Stay in touch" letter from them, telling me of my local office. Since then until recent (few days before Christmas) I received a default notice from them and then a unexpected home visit! This chap was not someone I imagine would work for Welcome, as he was a well built fellow and I felt that this was a form of "Heavy" tactic, as he explained himself as a "Collector" and that he did not want to come take the car away from me. I defended myself stating that I have paid more than a third and they do not have that right, and agreed that I will try to get a payment to him on the 22nd.


This I could not do as I am currently changing jobs and just don't have £500 that he wanted. I called them later to the date explaining that I was unable to make the agreed payment and that I could probably do more a month in January. They did not agree to this and offered for me to make this payment on 31/12/08 and again they know full well that I can not make this payment. now they are currently harassing and threatening court order to reposes the car, still demanding payment! I really would like to keep this car, regardless of the problems, but would rather my money back at the same time! Can they really get away with such a heavy man tactic and charging to telephone me when I specify the time, and they cant even adhere to that? How would I go about fighting these extortionate people to get my money back, I'm more than will to give the dam pain car back but don't have another vehicle, so therefore would like to keep it.


Any help would be appreciated and so for the long post, but I'm sure other people that have had this unnecessary unpleasant pleasure of dealing with welcome finance, I am not best happy with them at all!


Thanks in advance.



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first thing you should do is search and read the welcome threads

ime mentioned alot on them and it will give you an idea on this legal loan shark company.


we can deal with them, so dont worry.

you just have to know what buttons to push


come back later and fire away with your questions for which i am more than happy to advise

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Ok, I have a few questions unanswered with the threads I have found in my search. I can see that it is important to know what type of agreement I have, mine states clearly on both pages "Credit Agreement regulated by the Consumer Credit Act 1974". With this, what would be a third of payments, would it be total cash price of the vehicle? Or would it be total amount payable for the goods? Also, I have shortfall Insurance, I'm led to believe that if the car was involved in a RTA and considered a write-off, this would pay off anything I owe but is it really needed? Also, would I be at right to say that they would have to get a court order to retrieve the vehicle if I have paid 1/3 of the total cash price for the vehicle?


Thanks in advance.



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on your agreement look at the termination rights, it will tell you the ammount needed to pay before a court order is needed to repo.

the right off insurance is prob gap insurance, as a large ammount of cars are repo, this is an expensive option, if the loan goes full term, it is recomended but look at the t&c on exclusions as many of these insurance policies are not worth the paper written on.

mechanical break down is one.

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Ok, I have a few questions unanswered with the threads I have found in my search. I can see that it is important to know what type of agreement I have, mine states clearly on both pages "Credit Agreement regulated by the Consumer Credit Act 1974". With this, what would be a third of payments, would it be total cash price of the vehicle? Or would it be total amount payable for the goods? Also, I have shortfall Insurance, I'm led to believe that if the car was involved in a RTA and considered a write-off, this would pay off anything I owe but is it really needed? Also, would I be at right to say that they would have to get a court order to retrieve the vehicle if I have paid 1/3 of the total cash price for the vehicle?


Thanks in advance.




Try the guys over at Car Credit Complaints they have a heap of similar complaints both about Ucan and Welcome.


Happy new year!

Edited by jonni2bad
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What about the top up loan? As I have no paperwork of this nor do I remember signing any additional paperwork to confirm this and agree to payment terms etc. Considering the last time I spoke to them (They have changed their name three times since last contact) they advised me of a £10 for a copy of T's & C's of which I never received in the first place, along with an additional charge of £10 for a contract that I apparently signed of that I have no recollection of. Is there anyway to get around these ridiculous charges that the so called top up loan provide? Along with the fact that I have never had the originals. However I missed a payment to see how they would react and they pounced on me like a ton of bricks!

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send this to welcome

welcome by law will have tp send every thing they have on you


thats everything and will cost 10 pounds


you will find out what con they are pulling


Data Protection Act 1998


Subject Access Request


Dear Sir/Madam


ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)


Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-


1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.


I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.


Yours faithfully,



print but don't sign your name


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Thanks, will get it drafted up and sent today 1st class. I assume that I will have to send this payment through a PO, do I sign that or not? Also, in the mean time, how would I go about asking for something like that about this top up loan, would it be by the same method as I do not have any account details for the top up loan.


Are they really at right to charge me £10 for a copy of T's & C's of which I never received, and along with that a £10 just for a copy of a contract I don't believe I signed with them.

Edited by r3m0dul8
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the sar will give you all the info

send by recorded delievery and print your name, never sign

postel orders are now printed, you dont have to sign

when the sar comes back, i will answer all your questions and find out what they have neglected to include

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