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    • Hi all, the company have just called me and offer me £500 to get myself a sat-nav...   So if admin team want to scratch this topic from the record, please feel free...   If not then thank you anyway 😃
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    • Hey everyone, I am hoping I can get some guidance with a car I recently purchased.   I have been looking around for a newer car and thought I would check out those internet car seller folks.   I found a car I liked and the description said it had all the things I wanted, so I paid the deposit, applied for finance, which I got, and opted for a PCP contract, paid my deposit and got my order confirmed. The car was delivered on Monday 1st June. First I must say that overall I am really very happy with the car, it is almost exactly what I wanted, I am delighted with the general condition, the way it drives and would not be too keen on letting it go if I have no need to do so.   So, the first thing, it was just under 700 miles over the quoted mileage, and I know that's not a lot. Still, that's not the point, the number is excessive, considering the place it came from is only about 200 miles from me. I have spoken to them about the mileage. They said it was a clerical error, which I do not believe, they have however agreed to refund me for 400 miles, which I decided to accept as I figured at least they have agreed to pay for just over half of the miles and did not want to be too unreasonable about it.   The second thing, and this is the one that is really the stumbling block. The cars headline said: 'FORD FIESTA HATCHBACK 1.0 EcoBoost 125 Titanium X Navigation 3dr'. Though the full advert is no longer visible, part of it still is, https://www.buyacar.co.uk/ford/fiesta/fiesta-hatchback/1-0-ecoboost-125-titanium-x-navigation-3dr-73955 and this is the car I bought.   So after checking it over upon delivery, and going around it with the delivery chap, all looked fine, and I decided a little drive was in order.   So off I went to put some fuel in, and while at the fuel station figured I would check out the sat-nav and this is where the problem is, there is no sat-nav. I checked the book, there is no slot for the navigation sd card, no button to turn on the nav, aka, no nav, none.   So I emailed them, and the response I got was: 'Thank you for your email, and I am sorry to hear you are not fully happy with your new purchase. This vehicle was not advertised with Sat Nav, so I am unsure where you feel you read the description you have provided?' ... ... 'In regards to the description of the vehicle, I have checked this on the order form, and the finance documents that were both sent to you and signed and the description of the vehicles reads as FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback.'   So I have pointed out the fact that there was not only a headline stating that the car was Navigation version but further, down the page, there was also a mention of it.   I also said to them, despite me signing said documents, I felt no need to recheck it because the wording navigation appeared several times in the advert which was enough for me to accept it was a version with navigation.   I also said, the order form nor the finance documents also make no mention of other stuff either like climate control, automatic folding mirrors, infact they do no mention any features, only that it is a FORD FIESTA 1.0 TITANIUM X 3d 124 BHP hatchback, so I have refused to accept this as an excuse and an attempt to lay the blame for this mistake at my feet. I honestly thought I was purchasing a car with sat-nav, based on the information provided by them.   I am awaiting a call from them but they have so far today failed to get in touch so figure I would use this waiting time to ask some of the more experienced members about their thoughts on where I stand with this.   Am I in a position for example to ask that they fit sat-nav? If they ask for the car back and put me in a position with no car again how does this work out? Am I flogging a dead horse?   Any advice please would be very much appreciate.   Thanks all.
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Out of interest, has anyone been successful claiming back Acceptance Fees lumped on the monthly payments ? Or Gap (shortfall insurance) ?

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gap yes same as PPI

and warranty etc etc.

acceptance fee

as long as interest has not been added

it correct.


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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PPI UPDATE.

 

I have recently been paid out £ 970 by Aviva

- This was the company who sold the PPI Policy alongside the Welcome Car Loan.

 

Also I have been made an offer of over £ 4000 from Welcome Finance

because they now say they are going to be Liquidated in 2018,

this is now what they are calling a Solvent Liquidation so they are able to pay me out.

 

 

They have sent me an acceptance form to complete asking for Bank Details to pay the money by BACS into my chosen account.

OR DID I WANT TO REDUCE MY BALANCE WITH THE MONEY !!

 

I have also received many Arrears letters this last few weeks and repeated telephone calls which have been unanswered.

 

None of my other complaints have been answered and have simply been ignored.

 

Would be nice to know what is going on with this lot..

.. What happens to these Loans once a Solvent Liquidation happens ?

 

 

It seems as though I am running out of time to get answers to all of my complaints.

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I bet it will be about the same time that all PPI reclaims will stop

and welcomes liquidation will be delayed till then, if at all.

 

 

what is interesting is they are saying they are paying out to you

whats that for? the gap etc..


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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Hi Dx.

Not sure what is going on but my letter definitely says they are going into Liquidation sometime in 2018.

 

My guess is that so much of the book they own is not collectable and they will have trouble getting anyone else to take them on.

 

Payout offered is for PPI on two other accounts from the chain.

 

Still no answers regarding charges, gap, interest and miss selling so will get back to them after I receive the payment.

 

I am still not paying them anything since the loan got passed back to Welcome from the debt collection agency.

 

What happens to these loans after liquidation?

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twill be an interesting time then .

 

 

I expect welcome will prob sell all outstanding debts on.


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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Hey I wonder if any1 can help me on this..

I took out a loan with welcome finance about 8years ago.

It's was £2000. I had missed payments etc and it went up to 7000. I brought it back down to 4000 and got a letter about ppi being knocked off which was around about 850. They had sold me months and months of ppi and all the other rubbish insurances you have to have.. Now I and my boss have received a letter from the county court. In favour of Cabot financial demanding ex amount a week for the outstanding of 4200. So I called up and then I had to call Mortimer and they wasn't any help. So basically I will be paying about 11000 for a 2000 loan. Where can I claim back or appeal or whatever?? Because so many places to pay but not to deal with my despute. Thanks

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Hey I wonder if any1 can help me on this..

I took out a loan with welcome finance about 8years ago.

It's was £2000. I had missed payments etc and it went up to 7000. I brought it back down to 4000 and got a letter about ppi being knocked off which was around about 850. They had sold me months and months of ppi and all the other rubbish insurances you have to have.. Now I and my boss have received a letter from the county court. In favour of Cabot financial demanding ex amount a week for the outstanding of 4200. So I called up and then I had to call Mortimer and they wasn't any help. So basically I will be paying about 11000 for a 2000 loan. Where can I claim back or appeal or whatever?? Because so many places to pay but not to deal with my despute. Thanks

 

 

welcome

you need to start a new thread

of YOUR OWN

 

 

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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I have sent the acceptance form away now asking for the funds to be paid by bacs... We shall see what happens.

 

 

The letter states they will be paying out within 14 days of them receiving the acceptance.

 

 

A couple of other queries.

I have still not had any response to my complaints of miss-selling and arrears charges and interest etc, etc... This always gets ignored.

 

 

Do I continue to pursue this after I receive PPI payments ?

Did the PPI have an effect on all chain finance which mine was ?

I am not even sure the charge on my property is still in place to be honest ?

The welcome loans do not show on my Credit Reports ?

 

 

If the loans are in dispute why are Welcome not working to resolve issues and how can they sell a loan on in dispute and why have they not taken me to court or contacted the court to get payments from my wages ?

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Have been waiting about 3 weeks now for PPI Payment to be processed and transferred by BACS supposedly.... Any ideas how long I should give them before I contact ?

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PPI Payments have now been received. Over £4000 which is amazing !!

Still no answers to all of my other complaints and I have ceased payments.

The waiting continues.

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I have sent the acceptance form away now asking for the funds to be paid by bacs... We shall see what happens.

 

The letter states they will be paying out within 14 days of them receiving the acceptance.

 

A couple of other queries.

I have still not had any response to my complaints of miss-selling and arrears charges and interest etc, etc... This always gets ignored.

 

Do I continue to pursue this after I receive PPI payments ?

Did the PPI have an effect on all chain finance which mine was ?

I am not even sure the charge on my property is still in place to be honest ?

The welcome loans do not show on my Credit Reports ?

 

If the loans are in dispute why are Welcome not working to resolve issues and how can they sell a loan on in dispute and why have they not taken me to court or contacted the court to get payments from my wages ?

 

Exactly the same going on with me right now. I've gone to the fscs and FOS

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Finally got round to sorting my act out and have put my property on the market. Need to start a new chapter.

 

 

In regards to my welcome load, last re-write was 2008 which still has a balance of £23500 now PPI interest have been reversed, but the land registry shows a charge for progressive finance in 2005.

Any ideas how this works ? Can I find out what the 2005 charge is for ? Can my solicitor find out for me ?

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Have a look at my thread I have one supposedly for a 2008 loan but charge is dated 2006

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