Jump to content


  • Tweets

  • Posts

    • Yea but the annoying this is that they're not based in england so they won't even come. Just a 2mo delay for no apparent reason.
    • Hi dx, thanks. Yes actually, that is the case with this one! I've taken tomorrow off work, I need to review the whole binder for each of these and I'll refrain from further questions until I do just that. Just on hold for court ref Claim #2
    • 1. who knows... 2. not the whole A/C vanishes from your file on the DN's 6th b'day ...already carefully explain this. 3.yes 4.already carefully explain this.
    • if i remember rightly, long ago in one of the first drafts of the old proposed gov't overhauls, there was a listing of recommended 'charges' that inc wrong reg = £20. some PPC's implemented such changes in advance. then later as it looked increasing likely the new code was never going to be implemented after it's 1st review and another set of codes was to be debated they all quietly revert back .......... dx
    • Potentially it may not even get sold on? Just the default left for 6 years then gone? but if it is sold on ill get a letter from the DCA which is the notice of assignment? Sorry what is the different between a default notice and a default cal marker? yes, i may try and work arrangements out with the OCs after the breathing space but I'll see my circumstances then thank you again for all your help and patience, I really appreciate it and apologies If i am too fast or repeating myself.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      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.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Welcome finance settlement figure?


jamenzo
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5364 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi my car was written off when it was parked up a couple of weeks ago and i have been told by welcome finance the settlement figure will be £7287.76 the problem i have is that i bought the car 2 years ago for 9100 and have paid 236 a month for the finance tesco insurance have only offered me 3500 for the car which is less than half settlement?? can someone please please help i dont know what to do or where i stand and have been left without a car and a huge debt i feel really hard done by.

Link to post
Share on other sites

im guessing there isnt anything i can do except pay the outstanding finance? Thanks anyway

 

 

Hi

The refinancing? What was the story there?

 

Also, thats page 2 of the agreement, can you post the rest. Blank out all identifying info, including reg and engine numbers!

 

Have you CCA'd them yet?

 

T2

Link to post
Share on other sites

Hi guys i had an old mondeo which was financed with welcome and when i was half way through the agreement i asked to swap it they told me it was in negative equity so had to add an extra 1000 to my new finance agreement.The no ppi etc was probably me telling them i didnt want any of there rip off extra insurances as the car was expensive without them.

Link to post
Share on other sites

ok

 

its starting to become clear

 

this is an agreement to modify the first

 

at the top of the agreement, what does it say

 

hire purchess agreement regulated by the consumer credit act 1974

 

credit agreement regulated etc etc

 

agreement to modify

 

fixed sum loan agreement

 

need to know which one

 

did you have ppi or any insurance on the first loan

 

please say yes

Link to post
Share on other sites

ITS LOOKING GOOD

THEY AS USUAL WOULD NOT HAVE DONE A PPI REBATE ONTO THE MODIFIED AGREEMENT

 

YOU NEED TO PHONE THESE PEOPLE AND ASK THEM TO SEND YOU ALL INFO REF PPI AND ALL INSURANCE DOCS

 

WHEN YOU HAVE THESE UPDATE YOUR THREAD AND ILL TELL YOU WHATS NEXT

 

Direct Group - Where Insurance and Innovation Combine - Home Page

Link to post
Share on other sites

This looks like a multiple agreement to me. For the car credit it's a debtor-creditor-supplier type agreement. WFS always treated their own garages as an independent supplier. The £1k refinance would be a debtor-creditor type agreement. It should therefore say at the top of the first page in bold type "This is a multiple agreement regulated by the consumer credit act". If it doesn't they're in trouble. I used to work for this shower and will email you a comprehensive breakdown of how they rip off their customers if you provide me with an email address. My info should be more than enough to enable you to have your agreement deemed unenforceable provided you bought the car direct from welcome and not from a dealer.

Link to post
Share on other sites

steveoram

 

may i be so bold as for you to email me your info on this

 

you know how much i hate them

ill pm my email address

 

now as its welcomes own show rooms

i wonder if they charged undeclared commission on the sale

 

by the way

 

spot on with your advice

Link to post
Share on other sites

Hi post. The WCF showrooms were indeed treated just like any other dealer by WFS (the parent company). The commission was shown on UCS (the american designed in-house WCF deal booking system) as a discreet amount but never revealed to the customer. The parent parent company (Cattles) took the first £900 profit out of each deal but even accounting for that loss we still used to regularly book a £4k to £5k profit on each deal and I even saw and did deals that booked a £7.5k profit. In the old days the sales people (like me) were paid up to 21% of the profit so we were earning scary amounts of commission but it always stuck in the throat a bit. Get a SAR in - most of their docs are unenforceable. I spent 3 and a half years before joining WCF as a business manager at a large car supermarket and know FSA regs & CCA regs back to front and WCF's docs are the worst I've ever seen. No wonder they're going out of business.

Link to post
Share on other sites

stevogram

 

spot on again with what i allready know

 

now the only way of getting these underwriting sheets with the commission payments, that includes ppi was to get a court enforcement order for welcome to release that info.

 

as that would be a nail in the coffin, welcome allways with draw any court action so the cagger wins by default

 

thats great but does not answer the question

 

getting the actual commission docs

 

requesting them in an sar, welcomes response is corporate sensativity, get lost

 

any ideas

 

its so frustrating

Link to post
Share on other sites

stevogram

 

spot on again with what i allready know

 

now the only way of getting these underwriting sheets with the commission payments, that includes ppi was to get a court enforcement order for welcome to release that info.

 

as that would be a nail in the coffin, welcome allways with draw any court action so the cagger wins by default

 

thats great but does not answer the question

 

getting the actual commission docs

 

requesting them in an sar, welcomes response is corporate sensativity, get lost

 

any ideas

 

its so frustrating

 

i second that too!!!! any information on how these crooks really work can be really helpfull to us all..

Link to post
Share on other sites

This looks like a multiple agreement to me. For the car credit it's a debtor-creditor-supplier type agreement. WFS always treated their own garages as an independent supplier. The £1k refinance would be a debtor-creditor type agreement. It should therefore say at the top of the first page in bold type "This is a multiple agreement regulated by the consumer credit act". If it doesn't they're in trouble. I used to work for this shower and will email you a comprehensive breakdown of how they rip off their customers if you provide me with an email address. My info should be more than enough to enable you to have your agreement deemed unenforceable provided you bought the car direct from welcome and not from a dealer.

 

Hi steve ive sent you my email address in a personal message if you could please give me the process i can follow to do welcome many thanks

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...