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    • If you are buying a used car – you need to read this survival guide.
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    • 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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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welcome finance Problems


abi_cutie09
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Hi everyone I'm new to this site,

 

This is my first post, I hope somone can help..

 

I took out a loan with welcome for £2000 over 3years. Some months after the loan I took a car HP from them £5000 over 4years. The car + interest altogether comes to something like £14000. When I went for the car I was told the ppi had to be taken to get the car, but I have read otherwise on this website. When I tried to claim on a faulty light and a wiper (mechanical cover) I was told this is not covered. So the mechanical cover was useless to me aswell. I do remember calling them( welcome) after a couple of days of having the car to try and cancel the agreement and give them the car back as it didnt seem like agood idea at that point, paying all that money to them and they couldn't even fix a window wiper. They said they couldn't take the car back.

 

Anyway I carried on paying them with no problems up until about march when I was on maternity leave (last three months no maternity pay) I tried to get them to give me a reduced payments until I went back to work. They said no. This is when my payments dipped. i.e direct debits failing. I paid what I could in cash during that period, They were on the phone to me constantly, Every week almost all my money was going to them, I went back to work , The last time I spoke to welcome she said I had caught up with my loan, I asked her how much was owing on the loan as it is due to finish in december, the figure she gave was about £300 more than what it should have been. She put this down to interest. I am guessing charges have been added to the account. The car loan was about 1month payment behind( at that time a couple months ago) She suggested that I pay abit more each month to clear the interest, I agreed to do this but I asked to pay weekly rather than monthly,

So now I am paying £100 a week ( for both accounts) rather than £378 a month. Since then I haven't heard anything they just take £100 direct debit every week. I dont know when I will have 'caught up with my payments'.

But I am struggling to pay them and my rent and childcare etc.

 

I forgot to mention that one of the agreements was not signed by welcome and did not have any date anywhere on the form.

 

Also my personal loan payment was set at 105.97 a month, but several months ago they started taking 106 a month ( without telling me) I know its only a couple pence but still are they allowed to take those extra pence?

If I have been charged can I claim back the charges or get them removed from the accounts?

 

Sorry to have rambled on, I hope the above makes sense and that someone can help me!!

 

Thanks in advance, xx

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hi abi

 

first of all may i sugest you read the welcome threads for you to realise what a sorry excuse for a finance company this lot are

 

by the way

 

ime welcomes biggest pain in the butt and glad to help

 

i know all there dirty little secrets and cons

 

ill drop by in the morning and tell you what to do to get the ball moving

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Hi everyone I'm new to this site,

 

This is my first post, I hope somone can help..

 

I took out a loan with welcome for £2000 over 3years. Some months after the loan I took a car HP from them £5000 over 4years. The car + interest altogether comes to something like £14000. When I went for the car I was told the ppi had to be taken to get the car, but I have read otherwise on this website. When I tried to claim on a faulty light and a wiper (mechanical cover) I was told this is not covered. So the mechanical cover was useless to me aswell. I do remember calling them( welcome) after a couple of days of having the car to try and cancel the agreement and give them the car back as it didnt seem like agood idea at that point, paying all that money to them and they couldn't even fix a window wiper. They said they couldn't take the car back.

 

Anyway I carried on paying them with no problems up until about march when I was on maternity leave (last three months no maternity pay) I tried to get them to give me a reduced payments until I went back to work. They said no. This is when my payments dipped. i.e direct debits failing. I paid what I could in cash during that period, They were on the phone to me constantly, Every week almost all my money was going to them, I went back to work , The last time I spoke to welcome she said I had caught up with my loan, I asked her how much was owing on the loan as it is due to finish in december, the figure she gave was about £300 more than what it should have been. She put this down to interest. I am guessing charges have been added to the account. The car loan was about 1month payment behind( at that time a couple months ago) She suggested that I pay abit more each month to clear the interest, I agreed to do this but I asked to pay weekly rather than monthly,

So now I am paying £100 a week ( for both accounts) rather than £378 a month. Since then I haven't heard anything they just take £100 direct debit every week. I dont know when I will have 'caught up with my payments'.

But I am struggling to pay them and my rent and childcare etc.

 

I forgot to mention that one of the agreements was not signed by welcome and did not have any date anywhere on the form.

 

Also my personal loan payment was set at 105.97 a month, but several months ago they started taking 106 a month ( without telling me) I know its only a couple pence but still are they allowed to take those extra pence?

If I have been charged can I claim back the charges or get them removed from the accounts?

 

Sorry to have rambled on, I hope the above makes sense and that someone can help me!!

 

Thanks in advance, xx

Someone showed me a contract for Welcome Finance. The form was odd because the total amount you are due to pay back should be on the same side of paper as that of your signature. Theirs was overleaf which tricks the eye as to what the person was actually paying back. From my understanding this might render this an unfair contract and the signature void. Check with Officer of Fair Trading website which should cover unfair contracts.

 

GEC Capital Bank (who run all the store cards) were also a problem as store staff when offering the store card got customers to sign the contract without turning the page over and showing customers the terms and conditions. Don't know if they are still doing it as don't use store cards.

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Thanks so much all of you, it's good to know I've got you on board!

 

Postggj - I worked out what low life they are for myself, I have read threw so many threads about welcome finance. I am disgusted with some of what I read! If I could turn back time I would, it is good to know you know their dirty tricks,

Thanks again,

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hi abi

 

first thing i want you to do is get the hang of a program called photobucket

 

google it

 

then scan the agreements into your pc minus personel detail but leave in the figures

 

upload the agreements into photo bucket and post onto your thread

 

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

 

thats if you still have the agreements

 

 

if it gets frustrating ill pm you my email address so you can send it by email attachment and ill post it up if you want

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Hi Abi, i wish you luck with this.

Your in great hands with postggj.

Edited by ben1305
:-$

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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One more thing that is bugging me, when I got my car I was told I MUST insure the car fully comp, which I did, Why would this be?

 

This welcome finance thing is so confusing!!:confused:

 

I was also told I MUST insure the car for £5000, but on the agreement it says

Amount of credit for goods £4387. The man who dealt with me even insisted he fax through the details to my car insurance company.i.e fully comp and £5000. And stood next to me whilst I called my insurer. (eavesdropping?)

Edited by abi_cutie09
forgot to add something
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POSTGGJ , I was just wondering if you had a chance to look at my agreements? I know you are very busy bringing welcome finance down.

If you do get a chance to look at my agrements can you give a shout.

I will check back here regularly,

Thankyou:)

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Did anyone ever receive the £1000 part exchange or the £250 offer from welcome finance?

 

I was just wondering when my payments should go back down to normal as I am paying abit more than my normal payments at the moment,to catchup as I was 1month behind on car payment, surely I would have caught back up by now? Since I set the direct debit back up I haven't heard from them!

 

Do I have to pay by DD, or can I pay threw online banking?

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I think ive got statement of price, should I do the subject access request to get things moving?

 

I upped my payments a while back to catch up, because I was about 1 payment behind, I didn't sign anything other than the dd form,

can I get my monthly payments put back to normal?

It seems that all they are interested in is taking my money!!!

I don't have anything to stating how long the higher payments are going to be for,

I'm just so fed up now!!:(, the car is not the worth the extortionate amount they are taking,

 

Avoid welcome, like the plague!!

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