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*Lollipop*

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Hiya,

 

I hope I am posting this in the right place. I am looking for some advice please.

 

In July 2007 my boyfriend took out a £6500 loan from welcome car finance. (in hindsight a bad choice)

 

He had the car for 2 months, and then he had an accident, he had already made 2 £271.91 payments and the insurance company paid out £6500 on the car, so in total they have had around £7095 in a couple of months.

 

My other half rung them up several times and asked for a settlement figure, which they said was £1200 (july 2007) he never received this figure through the post. If he had received this letter, he would have paid the amount in full, instantly. he did telephone to say about in, this may have been in August or September 2007, to ask about the situation, and the customer service rep, said it was dealt with, and that’s the last he heard about it.

 

Fast forward 2 years, me and my boyfriend have now moved in together, since may 2008, and on the 21st of may 2009, we had someone from welcome finance at our door, saying we owed them £7000. and a payment of £291.71 needed to be paided by the 30th of may 2009, he said the full amount of the loan still needed to be paid even though he had no settlement figure through. My boyfriend tried to say about how they had had £7095 from him already, and how we wouldnt be able to find that money in under a week, he said taht wasnt his problem, and if my boyfriend didnt pay, they would come into our house and take our stuff, I said they couldnt take my stuff, as it was mine, and i brought it, and they said they could, even the landlord telephoned them and said half of the furniture was part of the flat, as it was furnished, and welcome finance just said they can still take it. I now worry they can come and take my things.

 

They have been telephoning my parntner everyday about 10 times a day, and coming round, at the end of may 2009 he sent a letter of complaint saying about the telephone calls and visits, and how he wanted all communication to be in writing, this hasnt happened they still keep calling, where do we stand on this?

 

We recieved a letter in the post last week saying he now owes £595, for 2 missed payments, but i dont get how he can miss 2 payments in the space of 3 weeks.

 

Does he have to pay the other £7000 back that they asking for? they say its because of the total loan amount would have been £14000

 

But if people from welcome finance tell us one thing and then do an other what are we meant to do, and conviently the phonecall of him asking for teh settlement figure in 2007 has gone missing.

 

he doesnt have any original copies of the agreement, only what he received form the person coming round to our house in May 2009, and some of the pages were missing from the photocopied information

 

we have sent a sar and a cca too, we havent had a response from the sar yet.

 

So I dont get what they used the £7095 for that they have been paid, we asssumed monthly payments looking at it, but someone sent us a letter saying we had been paying £10 a month, which I dont understand how or why, but we had no notfication about this until last week.

 

We have sent a letter too about ppi, as we were mis sold it.

 

we sent this to them

However I do have the right to terminate and end my agreement under section 99 of the consumer credit act 1974, Which does say that I only have to pay up to half the total amount, and I would say that £7090.42, Is pretty much half of the agreement. As the total amount was £14000, I would even offer to pay the shortfall of a couple of hundred pounds to make it up to the half way mark of the loan. And then the contracted would be terminated and I would not owe any more money, due to the section 99 of the consumer credit act 1974

 

would this work for us?

 

Any help or advice would be great

 

thanks in advance

 

Edit, I do apologise for the bad spelling, I am in a rush, i will sort out the mistakes later.

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answered on your same thread in the welcome forum.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hello Lollypop And Welcome

Ill Post Some Thoughts In A Mo But Can A Mod Merge The Two Threads As Not To Confuse

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Thanks, Sorry I posted twice, was in a major rush, and its getting to me now, and I just wish it would go away.

 

I tried to delete the thread, but i can't, if a mod could merge or delete this one taht would be fab ;-)

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