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Tariq2009

Being forced to take another loan Help pleaseeee

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Hi guys need some advice what do as I got Car loan with Welcome Car Finance ,The guy use to deal with my account he left the Company and he very nice never had problem with him even the late payment but since this new Guy took over my account he is calling me all the time and sending me call charges letters for calling and will visit my house if I don’t answer his phone even in 2008 he shouted at me and hang-up on me and I complained they apologised and credited my account £50 but now this guy is really getting on my nerves .My monthly payment was £217.43 and I started to struggle in mid 2008 and I am still so I am like down only 2 payment s but I am pretty sure that I can clear the account before April 2010. But this guy is saying I can not keep carry on paying one month less and catch it up on later with short payment he want me to take another less monthly payment option more 4years time the figure he gave was crazy £4800 for even less than £2000 that I own them but he putting lots of charges on my account God know what they are .Anyway he also called me other day asking me that if I don’t take new deal I he will take my car away and I said to him I have paid more than 3rd on the account so you need to get court order and which I am confidence that the money I paid and I own is not much left and you want me make deal I think the court will look into it and I will get away from this nasty charges that you are putting on my account so go ahead with but than he said he can get court order and transfer this credit on your house than you will get problem remortgage .I was really shocked of what he said to me .So guys please help me what to do thanks .

Edited by Tariq2009

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god what a nice gent, welcome are a nasty piece of work anyhow.

you need to reclaim all the 'charges' back!

 

i'll get this thread moved to the welcome forum

in the meantime.

pop along there and do a bit of reading you are not alnoe.

 

oh and NO he cannot make you take out a new loan.

 

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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Thread moved..............


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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god what a nice gent, welcome are a nasty piece of work anyhow.

you need to reclaim all the 'charges' back!

 

i'll get this thread moved to the welcome forum

in the meantime.

pop along there and do a bit of reading you are not alnoe.

 

oh and NO he cannot make you take out a new loan.

 

dx

Thanks dx100uk I urgently need someone to look at my contract papers as I just remembered that when I bought car and I came back home I received call next day from them that I need to sign one more paper I told them I will not sign it now why they have not asked me when I singed other papers I was told that I need sign that or my loan will not go ahead .Than I Received call again after couple of days saying they going to send me the paper so I can sign it and send it back I refused it and I said I want sign anything now .So end of month they started to take direct debit out of my account and I forgot about but today when I was looking at the contract papers there is one paper with no sign on it I am trying to install the scanner and scan them and upload them see if that make any sense that they have made mistake because they also miss sold the GAB and MBI Insurance as I tried to claim it they totally refused to pay me and cancel the policy .Is there anyway I can dispute this and stop making payment until they refund me the insurance ad all the charges if I keep paying is not much left to pay the loan terms finishes in April2010 .Thank

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Can anyone Read this Paragraph that is top of this document can they say like that .Thanks

 

doc6.jpg

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please can anyone tell me where is this letter for dispute to send Welcome Finance.so i can stop making payment and they can look seriously into my account and pay me the miss sold insurance money back i can see bank dispute letter but i cant find for loans Thanks

Edited by Tariq2009
CAN ANYONE

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lots happening at the moment...hang tight

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lots happening at the moment...hang tight

 

 

Thanks Zaidey just worried i don't want them to come after me while i got no clue what to do Thanks

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Hi Tariq2009

 

It's Welcome who are being chased now - hold tight for bit longer, just waiting on some news that might change everything....

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If you wait a couple of days things will be clearer. Don't worry you are not the only that is behind in payments with welcome. Do not sign anything until you get advice. Tell them you are reading through the contract and need time to read it. Do not let give them the car either. Basically just stall them for a few days.

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If you wait a couple of days things will be clearer. Don't worry you are not the only that is behind in payments with welcome. Do not sign anything until you get advice. Tell them you are reading through the contract and need time to read it. Do not let give them the car either. Basically just stall them for a few days.

 

Hi EBOY thanks i am trying my best i am only 2 payments behind at the moment i dont think they can take car away like this because i have paid more than third they have to get court order to take the car away unless they want to break the law but my dispute is insurance money i am only holding the insurance amount i have paid the car loan with interest .

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Tariq2009, if you have paid more than 1/3 they can not take the car. They know it, you know it, they may or may not know you know it! Welcome often try it on, they lie and cheat and make threats. Well, they used to - soon they will all be looking for new jobs....

 

Anyway, these animals will say blue is yellow if they think it will get a result. But just because they say it, doesn't make it so.

 

Try to hold on a bit longer - there is something major in the air that will totally change the position. You are no longer the hunted - you are the hunter!

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:-D:-D:-D:-D:-DUpdate so far I have today logged complain about GAB & MBI Insurance to Ombudsman and send them agreement papers so they can look at it. Also phone call Harassment and dispute letter was send to Welcome Finance .Now all I have to do is wait and see what happens next .I am still not sure if the loan agreement is still legal hopefully someone will looks at it and spot mistakes thanks

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anyone please look at my contract thanks

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Any please can look at this contract thanks

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:(:(:(:(:( no one has yet looked at my contract .The update as Welcome was calling me all the time now they went quite very scary :shock::confused:

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ill look at this on sunday

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hi tarig

 

ill deal with this on sunday for you

 

welcome are my fav play mates

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Two threads merged.

 

Tarig, please stick to the one thread on this subject, makes it easier for others to follow ;)

 

Thanks.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hi tarig

 

ill deal with this on sunday for you

 

welcome are my fav play mates

Thanks very much

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After sending the call harassment and putting account into dispute today I received a call from WC he said he was MED I did not get his name properly .

Time of call 13:30

WCF: Can I speak to Mr xxx?

Me : Yes you are speaking with the right person

WCF: I am MED calling from Welcome Finance can you verify your password for security reason

Me : Verified the password .

WCF : I am calling you regarding your payment on this account

Me : Did you receive my letters that I have send you ?

WCF : I am calling regarding the account payment

Me : I am asking can you again please tell me did you receive my letters YES or NO.

WCF : That is to head office about PPI and I am calling you regarding the payments on account.

Me : If your head office received the letter and you are telling me that than you should know better that you should not be calling .Ok wait a minute

WCF : I will call you back your voice is breaking

Me: Stay on the phone don’t Hangup,so what was your name you said ?

WCF : My name is MED

Me : Can you spell it please

WCF : Yes it is M I cant hear you your voice is breaking I will call you back

 

And he hangup till now no sign of call .So what you guys think any comments what I should do .

Edited by steven4064
real(?) name removed

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sounds like the usual welscum trick to me!! one quick attempt to bully and intimidate to get some money!! gont let thme gring you down!!


ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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