looks like welcome have done it again.

[screwedbywfs]

Hello CAG,

 

I have been reading the forum a little with particular interest in welcome and increasingly I think that I have been screwed by these cowboys.

 

in 06 I originally went to carcraft in Sheffield and purchased a car for £5k (financed by 'you know who'), I took out all the insurances as the oh-so-helpful salesman from Ucan said that I would get a better rate of interest if I took them out and pretty much refused to remove PPI from the agreement.

 

I then took out a personal loan for £1000, this time i can't remember which, if any, insurance i took out. in 08 I was struggling to make repayments due to work issues (incidentally not covered by PPI for the car) and continued to scrape payments for the car but stopped paying the personal loan, they then sent both accounts to their collections dept who then began to make threats that they would have to reposess the car even though the car loan was up to date they said that both accfounts were 'linked' and that if one went into arears it affected both. So I ended up making payment on the loan to bring that more up to date at the expense of allowing the car to slip into arrears. they then started to hound me about this so I said I wanted to VT the car loan.

 

I spoke to someone at their office who said I should write with my intent to voluntarily terminate the car loan (i had paid just short of half of the payments) so I did and arranged somewhere for the car to be stored as it would be out of tax. after a couple of weeks i called to ask if the vt had been accepted and when would they be collecting the car, told it had been accepted but could take a month before they could collect. after 5 weeks i called again saying that the person keeping the car wanted rid of it as it was getting in the way so could they collect asap.... response? VT has NOT been accepted as you have arrears! but we can repossess it at a cost of £1200 if you do not want it anymore!!!

 

obviously this was not acceptable so was forced to get the car back on the road to help me find a new job. during this period i had still been struggling to find the money to make full payments so they offered to re-write both the personal loan and the car loan. result? paid over half of the £5k loan on my car and then re-wrote it so now I owe £8k on a 8 year old car and have a further 9 years left to pay for it. again I had paid almost half of my personal loan for 1000 and a year after re-write i owe 2195 with 9 years left to pay it.

 

with regard to the personal loan I am paying about £10 off the capital cum of 2195 and £20 in interest each month!!! they said, when i questioned their statement, that the interest i pay each month will decrease until about half way through the contract when i will be then paying the capital sum completely, doesn't sound 100%.

 

The big thing is, when I went to welcomes office to rewrite the loans I was paying attention to everything I was signing and am sure that all i signed was an application for credit and not an actual cca.

 

furthermore my new car loan does not show on experian although the old loan is showing as satisfied but on my cars HPI report there are 2 hp agreements showing as having an interest in the vehicle!

 

Can anyone suggest a course of action to sort all this rubbish out, where do I stand on these silly rewrites that I could definately have done without. I was more or less forced into rewriting even though I told them i would be able to start making payments again the following month.

 

anyway, apologies for war an peace this is my first post so i thought i would make it count!

[postggj]

Hi Screwed And Welcome

 

Excuse The Pun

 

You Are Among Friends With This Lot

 

What You Would Have Signe Is An Agreement To Modify The First Loan

 

I Say Should Have Signed For Good Reason

 

You Need To Send Welcome A Cca Request, That Will Cost A Quid FOR THE AGREEMENT And An Sar Request

That Will Cost A Tenner

 

They Have To Give You These By Law

 

When We Have These It Will Be Pay Back Time

 

Read The Welcome Thread In Depth

 

Ime Allways On Them And Know Exactly How The Con Works

 

Regards

[Martynandemma]

you should work for yourself as a financial adviser, postggj!!!

 

I want one of cag's legal experts to look into the next big issue. The big issue of contracts like; BT who are allowed to put you on an 18 month contract, you dont pay the bill so they cut you off but still get to charge you for the remaining term of the contract or issue you with a one off charge for early cancellation.

 

to me that is wrong as if they are allowed to have the money for the contract you should be allowed to keep the service. otherwise they get money for nothing, what do we think

[screwedbywfs]

Cheers Postggj,

 

Where can I find templates for SAR and CCA request?

 

I have read the welcome thread, (not wholly but i spent a good couple of hours getting the gist of it!) what a read, i want to get sorted before they fall apart completely which i suppose could make things a bit more difficult!

[Martynandemma]

this is the SAR:

 

WELCOME FINANCE LIMITED

KINGSTON HOUSE

CENTRE 27 BUSINESS PARK

WOODHEAD ROAD, BIRSTALL BATLEY

WEST YORKSHIRE

WF17 9TD

 

31/08/2009

 

Data Protection Act disclosure request

 

Dear Sir/Madam,

 

Reference Accounts

 

Formal Request under the Data Protection Act 1984 and 1998, and including the Right of Subject Access

 

I understand that you currently hold details of my personal and financial information within your internal record systems with regards to my Hire Purchase Agreements with your company. I have had 3 agreements with welcome finance Account Nos:*******(your account number or numbers)

 

Please supply me with complete details of all data held by yourselves, in regards to myself within your organization, including, but not limited to:

 

1. Full copies of all contracts that you believe exist or have existed between myself and your organization (the organisations), including true copies of any documents you hold in support of the same.

2. A complete list of all transactions or statements relating to ALL accounts with your organization.

3. Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

4. Full copies or transcripts of any computer logs or database records kept in relation to me or in relation to my personal and financial information.

5. Full copies of any and all correspondence in postal, email or any other format that you have entered into with any individual, organization or third party which contains my personal and financial information, or which pertains to me.

6. Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorized officer of your company, confirming the dates and methods of destruction of this data

7. Full hard copy print outs of any of my personal and financial information held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

8. Please note that information for all of my addresses is required, to clarify these addresses are(your address / addresses)

 

I enclose the statutory maximum fee of £10.00 to access ALL data held by Welcome Finance Ltd about myself.

 

You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request could result in an investigation by the Information Commissioners Office. You have 40 days in which to comply.

If you are unable to deal with this request, you should immediately forward it to the person within your organization responsible for Data Protection.

 

I look forward to hearing from you in the first instance by acknowledgement of this letter, and a full response with the above designated time scale.

 

Yours faithfully,

 

(print your name do not sign)

[Martynandemma]

This is the CCA

 

WELCOME FINANCE LIMITED

KINGSTON HOUSE

CENTRE 27 BUSINESS PARK

WOODHEAD ROAD, BIRSTALL BATLEY

WEST YORKSHIRE

WF17 9TD

 

 

31/8/2009

 

Dear Sir/Madam

 

Re:− accounts *******(your account number or numbers)

 

This letter is a formal request pursuant to s.79(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully,

 

print name do not sign

[postggj]

Thanks Marty

The Only Exception I Would Use This Address

 

Welcome Financial Services

Compliance

Ruddington Fields Business Park

Ruddingto Nottingham

Ng11 6nz

[Martynandemma]

send both by recorded delivery insure you put any previous addresses on the SAR as if you dont they might not send you the details of course if you have lived at the same address since you took out the agreement then you dont need to worry

 

Hope this helps

 

regards

 

martynandemma

[Martynandemma]

yeah that one works too

[screwedbywfs]

Thanks for those Martyn, and cheers for the compliance address postggj.

 

I'll print those and get them sent on tuesday, get ready welcome, I'm coming after ya!