Urgent advice needed! Welcome sent repo agents!!

[wannabedebtfreesoon]

Hello!

Just had a visit from some dubious characters supposedly working for Welscum.

It was actually my partner who answered the door and had the forethought to tell them I was out when he noticed their clipboards with 'Welcome Finance' written on"!

They left a very strange letter headed L&E Receivables containing no address just a mobile number urging me to contact them as a matter of urgency as the account has been terminated as required????

I have paid more than a third but haven't paid for 3 months due to non compliance of sar and PPI issues

Please help!!:?

[sillygirl1]

Unless they have a cout order they cannot take your items if you have paid more than 1/3rd which you have. If they haven't complied with an SAR request and PPI issues they can go and play with themselves.

 

If it is a car hide it away and if it is anything else then they are stuck. They will have no legal rights to come in, in fact I would take the letter they left to the police and say these people have been round threatening to take your possesions WITHOUT a court order and it ISNT a civil matter as they will try to tell you.

[wannabedebtfreesoon]

Sorry I forgot to mention it was a car!

Can they take the car without giving me any notice though??

[Ell-enn]

If they did, it would be an incredibly stupid thing to do - but they are incredibly stupid! Are you absolutely sure you have paid more than a third?

[dx100uk]

oohh another one.

 

now, stricktly speaking a failure to respnde to your SAR nor your PPI requests, doesn't actually get you off paying.

 

now if they fail the CCA, thats diff. [for now]

 

dx

[wannabedebtfreesoon]

sorry it's actually a really long a complicated issue! Been scrapping with them since the start of the year. I thought it went without saying that their agreements were a pile of poo! and yes mine is too

[wannabedebtfreesoon]

I haven't actually spoke to them so I don't know for certain that they came to repossess, there is a phone number; should I call them?? I'm fairly sure they'll be back so I just need to know what to say or do and what my rights are.

 

OK, I've just been looking through my agreements and I have to say that I am totally confused!!!?? Lots of figures don't add up, the agreement is for 72 months but it says 73 on my credit file??

 

I originally took out a hp agreement in June 2006 for a car costing £3499. It says on the agrrement that the car cost £3999 and I paid £500 cash deposit which I absolutely did not do!! Then they piled on the insurances which they told me I had to have or they could not agree the finance!!!

 

Anyway, after paying for a year my husband became disabled and I was forced to give up work to become his carer. Needless to say; my insurances were worthless! They told me they could reduce my payments by reducing the interest rate, I was obviously in such a state I agreed (stupid I know!) and I then discovered I'd signed a new agreement minus insurances!!!

 

I took the modified agreement in May 2007. Apparently my new agreement is for a cash price of goods £4625 plus masses of interest, acceptance fee and option fee. I have paid for a further 24 months equating to exactly one third. Then after 5 months of them messing around with my PPI complaint I stopped paying in June this year until they sorted it out satisfactorily. Funny how quick they want to sort things out when you stop paying!!!

 

I sent a sar but there were a lot of things missing so I wrote back saying they had not complied fully and to send me what I wanted. Guess what? They ignored me!

I did get a phonecall offering to take the amount of the PPI off my balance, I replied in writing saying thanks for the offer but what about all the interest on that money too. Suddenly there is absolutely no record of that conversation ever!!!! The lying sods totally denied making the offer! I don't see why I should play fair with them when they are nothing but deceptive cheats!! Sorry about the soapbox rant, I just couldn't stop.

 

They are still refusing to pay out saying that it wasn't them who sold me the insurances! So I say "but I'm paying you, how can you be taking money for something you didn't sell me??"

Apparently some other company; Windsor Finance sold it on their behalf.

 

I just don't understand any of this nonsense, apart from the fact that they are robbing gits who forced me into borrowing more money when I went to them to say I was in financial difficulty.

 

Please can somebody tell me what my rights are and what I should do next please???????????

[postggj]

ive been asked to look in

 

first of all

dont panic

ive been through this menny times and know exactly how welcome operate

 

please answer these questions

 

1/ have you received any correspondants from welcome prior to this visit

that includes any default or termination notice

2/ do you still have your agreements, be it the first or the one that was re-written

 

3/ do you have any documents to do with any of the insurance crap welcome forced on you

 

 

welcome can not do a repo with out a court order

 

if these cretins come again, tell them to leave your property

 

do not give them your keys

 

if they still start to take the car, let them, thats right, let them

have a read, some bed time reading

 

sign nothing

 

http://www.consumeractiongroup.co.uk/forum/repossessions/150726-car-repossession-welcome.html

 

the car is your property, not welcome, end off

 

 

ill move on later about the insurance racket etc but sit back and relax

 

not menny people on the forum like welcome for good reason

 

please answer my questions so we can move forward and end this:)

[T2upNorth]

OK, so they have failed to comply with your SAR?

 

Have you also sent a CCA request? If not, do so - no signature, PO sent to compliance recorded delivery at Ruddington.

 

Are you sure you have paid over 1/3? If so they need a court order to repossess. An illegal repo would lead to you getting a full refund of all monies paid plus, possibly, the car as a gift.

 

In the meantime, is the car parked on the street or private land?

[wannabedebtfreesoon]

 

1/ have you received any correspondants from welcome prior to this visit

that includes any default or termination notice

2/ do you still have your agreements, be it the first or the one that was re-written

 

3/ do you have any documents to do with any of the insurance crap welcome forced on you

 

Firstly can I thank you for looking in, I've been following the Welcome war for some time and I'm honoured to have your input x

 

1) I have a "Without Prejudice" letter dated 4th Aug referring to a Notice of Default issued on 16th July which I did not receive nor is it showing on my credit file. It says the account has been terminated and the balance is payable in full and they may repossess or apply for a court order without further notice.

 

2) I have both the agreements I signed and the copies they sent in response to the sar

 

3) I have loads of documentation about the insurances and they have Welcome's name all over them, there is nothing anywhere on anything about "Windsor Finance"

 

Thankyou for your support

[postggj]

first thing

anything welcome say and is not in pen and ink is pure bovine excrament

 

how can they send a default notice marked with out prejudice,

thats a legal document.

what it means is that doc cant be used in court with out the agreement of both sides,

sorts of defeats the object

cretins

 

what i want you to do is scan the two agreements and default notice into your pc

 

then google a program called photobucket

deleate all personel info but leave in the figures

upload those docs and post onto your thread

use the upload link for message boards without thumbnails option to post

 

like i said, we can sort this

you just have to find how welcome have messed up and exploit,

thats not hard, believe me

[wannabedebtfreesoon]

OK, so they have failed to comply with your SAR?

 

Have you also sent a CCA request? If not, do so - no signature, PO sent to compliance recorded delivery at Ruddington.

 

Are you sure you have paid over 1/3? If so they need a court order to repossess. An illegal repo would lead to you getting a full refund of all monies paid plus, possibly, the car as a gift.

 

In the meantime, is the car parked on the street or private land?

Hello, They have sent some things in response to the sar which included the cca's. I didn't bother sending one in the first place because I still had them.

 

I have previously corresponded with Ruddington, all by recorded delivery but it seems they pick and choose which letters they acknowledge and which they don't!

 

I've checked my credit file and counted the number of payments I've made on this agreement just to be sure, and strangely it turns out that I have paid exactly one third, however I also paid more when I had the first agreement which has been settled when I took out the 2nd one. So in total I have paid well over one third towards the car but I suppose that doesn't count and the current agreement is the only one that is valid.

 

Thanks so much for your advice, I severely appreciate it!

[wannabedebtfreesoon]

first thing

anything welcome say and is not in pen and ink is pure bovine excrament

 

how can they send a default notice marked with out prejudice,

thats a legal document.

what it means is that doc cant be used in court with out the agreement of both sides,

sorts of defeats the object

cretins

 

what i want you to do is scan the two agreements and default notice into your pc

 

then google a program called photobucket

deleate all personel info but leave in the figures

upload those docs and post onto your thread

use the upload link for message boards without thumbnails option to post

 

like i said, we can sort this

you just have to find how welcome have messed up and exploit,

thats not hard, believe me

Thanks, I'll do that just now. The 2nd agreement is barely legible at the best of times tho!

[postggj]

Thanks, I'll do that just now. The 2nd agreement is barely legible at the best of times tho!

 

all the better

[wannabedebtfreesoon]

Post, I've just noticed something- I got out the original of the 2nd agreement cos it's marginally more legible than their copy from the sar and they haven't signed it but the one they sent me in response to the sar is!!

[postggj]

why am i not surprised

 

dont panic

all in hand

old news

[wannabedebtfreesoon]

Hello Post here are the links finally!!

 

http://i605.photobucket.com/albums/tt133/suritaw/1stagreement.jpg

http://i605.photobucket.com/albums/tt133/suritaw/1stagreept2.jpg

http://i605.photobucket.com/albums/tt133/suritaw/2ndagreept1sarcopy.jpg

http://i605.photobucket.com/albums/tt133/suritaw/2ndagreept2sarcopy.jpg

http://i605.photobucket.com/albums/tt133/suritaw/repoletter.jpg

http://i605.photobucket.com/albums/tt133/suritaw/withoutprejudice.jpg

 

I really appreciate your input

Edited August 26, 2009 by wannabedebtfreesoon

[T2upNorth]

Don't see the default notice there, do you have it?

 

Without prejudice letter - seems odd to put WP on what is obviously meant to be an important document. Were you served with a proper DN?

Also the content is inacurate - it suggests they can simply repo. If you are over 1/3 which appears to be £2235.47 they need a court order. Anything else is illegal.

 

As they are still attempting to collect I would CCA them urgently, from the SAR they are able to comply but will buy some time.

[postggj]

this lot still amazes me, even now

 

ill do a letter for you to send these cretins in the morning

 

sit back

relaz

its all in hand:D

 

in your insurance paperwork

this would have been sent from a company called direct group,

do you have an underwriting sheet showing any commission payments to a broker

 

its a long shot but welcome will slip up one of these days:)

[T2upNorth]

Also, even though it may be illegal for them to repo don't assume they won't try.

 

If your car is on private land they would also need a court order to repo even if you were under the 1/3 (my understanding of that law, hopefully someone else will be along to confirm/deny)

[wannabedebtfreesoon]

Don't see the default notice there, do you have it?

 

Without prejudice letter - seems odd to put WP on what is obviously meant to be an important document. Were you served with a proper DN?

Also the content is inacurate - it suggests they can simply repo. If you are over 1/3 which appears to be £2235.47 they need a court order. Anything else is illegal.

 

As they are still attempting to collect I would CCA them urgently, from the SAR they are able to comply but will buy some time.

 

No I never had a DN and they haven't registered anything on my file either. Thanks for the advice, I'll cca them tomorrow

[wannabedebtfreesoon]

this lot still amazes me, even now

 

ill do a letter for you to send these cretins in the morning

 

sit back

relaz

its all in hand:D

 

in your insurance paperwork

this would have been sent from a company called direct group,

do you have an underwriting sheet showing any commission payments to a broker

 

its a long shot but welcome will slip up one of these days:)

 

I never noticed it before but yes I do have something showing broker deals and commission paid

[T2upNorth]

And listen to Postggj - he is the Welcome fighting legend!

[T2upNorth]

I never noticed it before but yes I do have something showing broker deals and commission paid

 

 

Haha! Go get em Postggj!

[postggj]

i would be inclined to send an up to date sar request

its the last lot of statements ime interested in

they have prob terminated the account with out a valid default notice

o dear o dear

welcome screw up again

 

ive a feeling this is going to be one of the more easier welcome threads to deal with