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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Welcome Finance...........HELP!


montrose
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Can anyone help me? I have car finance with Welcome. I used to pay by DD but they took the payment early a couple of times and as the money wasn't in the bank i ended up with bank charges. I cancelled the DD and have been paying by card over the phone to my local branch.

The thing is every month about 2 weeks before the payment is due they continually ring me sometimes up to 6 times a day requesting my card details so they can put the payment through on the due date.

I have explained to them over and over again that i know i have to make a payment and will ring them with the details on pay day and could they please stop ringing me.

They still continue to ring and yesterday hand delivered a letter to my house asking for me to pay the arrears on my account (which isn't due till next week). They have charged me £25.00 for this letter.

I phoned the office and told them again that i would pay as i always do on the last Thursday of the month and that i have no intention of paying the charge for the letter.

I was told that i was in breach of my contract and that i must pay by DD or they have every right to continually phone me and send letters.

It's not that i don't want to pay them i just want the phone calls to stop.

Any ideas anyone?

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Stop phoning them and tell them that for every phone call they make to you you will DEDUCT £25 from your payment, and send them the telephone harrassment letter.

 

You need to inform them that you are not in arrears and have the right to choose a method of payment which is more convenient for you.

 

Like you I don't trust DDs and since stopping all DDs on my bank account I have not had one bank charge in nearly three years now.

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they will also be charging £10 for every phone call as well:mad:

 

forget local branch,stay off the phone.

 

put a complaint in writting,

 

welcome finance compliance

ruddington fields business park

mere way

nottingham

ng11 6nz

 

 

SAM:pLOWELL DETESTER

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  • 3 weeks later...

Hi

Sent telephone harassment letter and have just got a reply. It says that as i don't pay till the end of the month my account falls temporarily into arrears as my contracted due date is the 13th, so i will receive a high volume of calls.

I know that my due date was not the 13th as i asked for it to be the 1st of every month and when paying by DD this was fine. I have looked on my Credit Agreement and cannot see a payment date also the copy of the agreement that i have has not been signed by me or Welcome.

Can anyone tell me where to find the payment date? They started to phone again yesterday!!!

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welcome sure have the gift of the gab

 

you set the repayment date, not welcome

 

tell them my payment date is xyz and ime sticking to it

 

welcome have targets to meet

thats why you get crap towards the end of the month

 

its all rollocks from welcome as usual

 

keep that letter safe

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  • 4 months later...

Got a car with Welcome Finance repayments are £227.00 per month.I'm not earning as much as i was and would like to reduce the monthly payment to £150.00.

Haven't been in contact with them yet and wondered if anyone on here could tell me if thet will agree or if they will start another agreement.

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Hi montrose.

Whatever you do...Do not let them talk you into another agreement. Just call them and let them know your personal circumstances have changed and for now you cannot afford the full amount and you need them to help reduce payments for a while.

Remember montrose it is not a crime to be having financial difficulties.

Dont let them bully you as they are good at that !!

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Ok i phoned them today and explained my situation and was told that i would have to have the finance rewritten if i wanted to lower my repayments. Also asked for a list of my I+E.

Have read many of the threads on this site so know that i don't have to give them the I+E, have checked my agreement and am not paying any insurances(my daughter made me cancel them when i first got the finance).

Would they put charges on my account if i started to pay lower repayments without an agreement does anyone know?

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DO NOT rewrite we did this with our car HP and they put it over TEN years instead of four :/ cant help with your charges question other than to say post up your agreement to check for errors as you may be able to dispute the account (whilst account in dispute no charges can be added and if you continue to make payment that is up to you)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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How long have you had the agreement and how long is left?

 

if 2 to 3 years left then could be worth negotiating a lower payment, but with a higher option to purchase fee over the same term. seeing as Welcome said they will only be collecting the remainder of the loan book for the next 2-3 years before they go under, this might buy you some time so at least either save some money to buy a new car in a year or so, or hopefully your income may improve.

 

but wait for some other advice from more knowledgeable people first. If you do have your agreement, then post it up as mentioned by razorc.

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no dont do that, it means giving card details which no doubt gets recorded.

 

if you can, then go into the branch on the day payment is due and pay then what you can.

 

if the branch has not been closed down.

 

if it has, then contact them and get tha bank details...infact I theink someone posted them on this forum somewhere. then you can pay be standing order. Make sure you have the upper hand at all times.

 

we dont want them dry ****ing you! (sorry cagbot)

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Montrose. Welcome will be as awkward as they can because they either want to rewrite you or bully you or both and use scare tactics.

Send them a payment of good faith and tell them you expect some help in return. I would send a postal order mate.

Send a letter requesting help with lower payments for a short period to be reviewed with the postal order and also tell them that you would like all communication from now on in writing. Explain you are having unseen financial difficulties and you require help from them.

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  • 2 weeks later...

Hi, I sent a payment of £150.00 along with a letter explaining my situation. I put in the letter that i would only communicate by letter. For the last couple of days Welcome have phoned and text me asking me to ring them back. Should i talk to them or send them another letter?

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