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Rebmeced

Welcome Car Finance - Missold!!

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Good morning all.

 

Just looking for some guidence.

 

I took out an agreement with WCF last Feb 2008 and due to circumstances at the time, my credit wasn't fab (hence going to wcf!!) and i would have to pay a higher APR, so (stupidly) i went with it, however the sales man advised that if it took this car and made payments on time without being chased or anything like that for 18 months then my credit rating with them would be improved, i would be able to trade in the car and re-finance on a lower APR, lowering the monthly payments. So, as the 18 months approaches, i contact WCF who advise me that i cant do that anymore because they have shut all of their showrooms?? and that all i can do is carry on paying the current APR or to lower the payments refinance on same car at same rate just over longer period...more interest!!!

 

Surley this cannot be correct? all i want to do is get rid of the bloody car and be done with it all...any help mostly appreciated.

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On The Agreement Will Be A Section Saying

 

Termination, Your Rights

 

Once You Have Paid This Figure, Which Will Be A Third, You Can Voluntry Surender The Vehice And Owe Nothing With Out Penalty

 

Was It A 36 Month Agreement Or 60

 

THIS IS THE USUAL CRAP FROM WELCOME

 

IGNORE UNLESS IN WRITING

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48 months. The total amount payable is 14,566.32. Todate i have paid £4821.60. it says on the agreement that the amount payable for termination would be £6,574.66, still some £1,753.06 to go, the 18 months will be up in August. Can you suggest anyway out of this based on them miselling. Its not myfault they shut there showrooms down.

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What Micky Mouse Insurance Did The Do

 

Ppi

Shortfall

 

Etc

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Can You Post Your Agreement Onto Your Thread Minus Personel Details

 

Google Photobucket

 

Use The Upload Link For Message Boards With Out Thumbnails Option

 

LEAVE IN THE FIGURES

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here we go:

 

Links Removed as updated paperwork uploaded below

 

 

any help much appreciated.

Edited by Rebmeced
update

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whats this

 

mechanical break down insurance

shortfall extra insurance

 

they saw you comming

as usual, it was the same with me

 

do you have any policy docs for these insurance products, i doubt it so if needed ill give a contact number

 

dig out all the info on the insurance products that you have

 

can you repost the docs

 

google photobucket

 

use the upload link for message boards with out thumbnails option to post

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ok, here is everything i have:

 

WCF0001.gif

 

 

 

WCF0002.gif

 

 

x

 

WCF0003.gif

 

 

 

WCF0004.gif

WCF0006.gif

WCF0007.gif

WCF0008.gif

WCF0009.gif

WCF0010.gif

WCF0011.gif

WCF0012-1.gif

 

thats the lot......

Edited by Rebmeced

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i need you to phone this number

 

http://www.directgroup.co.uk/

 

these cretins do the so called addmin on the insurance products

 

its a smoke screen but ask what products they hold on you and to send copies of all polocy doc to you

 

it will take a few days to go through what you have posted so far

 

 

well done on photo bucket, its not easy to begin with

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ok will do.

 

i really do appreciate your help.

 

ill report back

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ok...i have recieved all of the paperwork from Direct Group. Amazingly, on the policy document (image 2 below) they have entirley the wrong vechile, wrong reg, wrong manufacturer, wrong model, wrong EVERYTHING!! will this help me to void the contract? I MUST get rid of this car ASAP.

 

WCFINS_0001.gif

WCFINS_0002.gif

WCFINS_0003.gif

WCFINS_0004.gif

WCFINS_0005.gif

WCFINS_0006.gif

WCFINS_0007.gif

WCFINS_0008.gif

WCFINS_0009.gif

WCFINS_0010.gif

WCFINS_0011.gif

WCFINS_0012.gif

WCFINS_0013.gif

WCFINS_0014.gif

WCFINS_0015.gif

 

2 more pages....

 

WCFINS_0016.gif

WCFINS_0017.gif

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what i would like to know is how this short fall extra insurance differs from the normal gap policy

 

beside the price

 

shortfall is another name for gap

 

 

any comments on this welcome con

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thanks for the reply.....

 

any idea on how to proceed.. what about the fact they have the wrong car/....

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well for a start

if they have the wrong car, the policy is invalid

 

ill go over it tonight

i need to pull the t&c to bits

 

still

 

any takers on the question in my last post

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for a start mechanical break down insurance

 

can see no clause if you have to be towed off the motorway or taken home by recovery

that will prob cost up to 200 quid

is rac/aa recovery included or do you have to pay recovery your self

1000 limit is a con

 

labour, let alone parts

 

who decides what is wear and tear

 

if you have ever missed a payment the cover is invalid

 

ill give it a good going over tonight

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thanks so much for your help, i reallydo appreciate it so much.

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*bump*

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Hiya postggj,

wondered if you got anywhere with the pile of rubbish!!

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Rubbish Is The Word

Like Most Of Us

Stitched Up Like A Kipper

 

I Wont Say Its Going To Be Easy

Welcome May Well Roll Over Or If You Take It To The Fos, You Will Get Your Money Back Say In 12 Months

 

I Would Start By Writing A Letter To Compliance In Nottingham

Tell Them To Cancell The Policy As It Was Miss-sold And To Refund The Payments

 

We Need Welcomes Sod Off Letter To Begin With

 

Then We Go For The Throat,

But We Need A Rejection To Begin With

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Can A Cagger Post Up The T&c For Gap

Need To Compare It With Shortfall Extra

Doubt It But Seeing If There Is Any Thing Extra Beside A Name Change

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In Your Letter Tell Them About The Wrong Registration And As Such There Has Been No Cover

 

On That Basis Alone

 

Demand Back Your Payment Plus Interest Adjustment

Threaten Fos And Oft

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sorry to be a useless pain.... but is there a initial template letter that i could either use or adjust to send to them.

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what i would like to know is how this short fall extra insurance differs from the normal gap policy

 

beside the price

 

shortfall is another name for gap

 

 

any comments on this welcome con

 

shortfall is just another name for Gap as it just clears the outstanding finance in the event of a total loss of your vehicle....looks like a high premium was paid for it, £350 and they cant even get it on the correct vehicle..... i would get my money back as they cant say that "you have enjoyed the benefit of the cover" because if you tried to make a claim then it would not be on their system so in effect have been paying for an invalid policy, i cant belive the warranty was £650 and only covers up to £1000......

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thanks mojo. wow, i cant belive how nieve i have been!

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thanks mojo. wow, i cant belive how nieve i have been!

 

we have all been in your position ref welcome

 

well and truly stitched up

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