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    • And with 33% equity nobody will care either.
    • 3 threads merged please keep to one thread.   forget the calendar section of a credit - no-one bar the original creditor and the person can see that   its the summary status line the any potential lender will only see.   so as it stands, she as 1 or 2 in the calendar section which, correctly shows she was either late with the required payment for that month or short paid what should have been.   although these will effect here potential 'score'. as said above only the lender and her can see them
    • I haven't had a chance to read through his contract yet but he is insisting that it says of he leaves his position within 2 years he will have to pay back his course fees. I will read it properly though and get back to you  Thanks for your help so far 
    • Hi all,   New to the forum, so please feel free to move the topic if needed.   I need a little help with a used car: I bought an 04 BMW from a dealer about 2.5 weeks ago. It cost £1,600. I gave it a test drive and it seemed pretty decent so paid via bank transfer and took it home. The issue started when I took it on a national speed limit road as the car started to sway on the road. I reported this to the dealer and he agreed to fix the issue. He took it to his mechanic who informed him that it was the drivers side hub. They didn't have time to fit it so gave me the part and the option to use a local mechanic. The mechanic agreed it would be causing the sway, charged me £80, which the dealer refunded to me.  The car was improved but we went on a short break over the last few days and I drove the car about 35 miles away. The issue now is there is a rumbling sound, noticeable on motorways and it doesn't feel particularly safe, especially over deviations in the road. As the swaying was the main issue I can't say if that rumbling was there to begin with.   The dealer has been fair to me so far in refunding me the money but he did admit he only test drove the car and it wasn't checked over fully when I took it back the first time. My mechanic said the play on hub was so bad it should never have been sold in that condition. I have messaged the dealer this evening explaining the issue but he has been a bit defensive saying the car does not have a warranty and he has already spent money on repairing it. He will need to speak to his manager and get back to me. To be fair to him he has attempted to repair it but for me he should never have sold it without it being mechanically checked over.  What do people make of this? What are my options if he won't budge and I need to take it further. I would like a refund rather than another repair as I feel I have been pretty patient so far. At the moment I have a car that isn't safe and I can't afford to take a £1,600 hit in my pocket.   Many thanks,   Mark.  
    • I have threads elsewhere re a repayment plan (6 months) with Barclays Mortgages during a maternity leave. Arrears now paid, trying to re-mortgage but with great difficulty. Not really advised of dire consequences of this decision, trying to get SAR info but no luck with telephone recordings as yet. Complaint handler appear sympathetic but who knows to what extent. Looked at Which website and they mentioned a Goodwill Adjustment letter which I have never heard of. Intention of this thread was to see if anybody had used this to remove bad markers from their credit files.
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 16 replies
completelyfedup

When is car finance not car finance

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When its with Welcome and you have a personal loan.....

 

I have just returned from citizens advice and they have been very good. I had received a lettter from welcome today to say they had given me the wrong terms and conditions and that I could v.t my car after all....

 

CAB have said that I have a personal loan and that the car is mine and they are trying to make things beter for themselves as basically they have stuffed up. CAb are writing to Welcome to get them to put it in writing that I have a loan etc....

 

Watch this space i guess;);)

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And now I have received a call from the recovery people to come and arrange a time to pick up my car. No paper work received yet from the V.T department or any other paper work from welcome.Guess the postal strike is not helping! I have nicely told the transporter people that at the mo the car is still mine and I have citizens advice involved. After wha t I thought was going to be an easy thing to do its not. My origanl agreement show No figures for termination. This one is going to be interesting I can see.

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On Your Agreement, At The Top, What Does It Say

 

Hp Agreement Regulated By The Consumer Credit Act 1974 Or

Fixed Sum Loan Agreement Regulated By The Cca 1974

 

Do Not Do A Thing Until You Have Confirmed

 

Also

 

Can You Give A Brief History Of Your Problem With Welcome

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I have a couple of posts running. I will try to explain. At the beginning of sept i phone my local banch to ask for some help as I was struggling with keeping up payments (who isnt with these idioits!). They basically told me nothing they coud do to help me. So at the end of september I sent a letter to them to V.T the car. A few days later I received a call from the local branch to say that I could not V.T as I did not have hire purchase.... I took my signed agreements to citizens advice, they wanted me to get clearer information from welcome. I phoned local office who said they would raise it as a complaint and I would here from the correct department. Complaints phoned me on the 14th of Sept and told me that they have sent me the wrong terms and conditions and I could V.T if I still wanted to, I know I should not have but I said that would be what I wanted to do. I then received a letter from the customer relations department stating what they had told me in the phone call. BUT I thought how can they just change things like that so went to citizens advice. They have kindly taken everyting on board and are now writing to ask what they are trying to do ie are they now trying to change my agreement to a H.P agreement... I SMELL A FISH

 

MY original signed agreement says along the top Credit Agreement regulated by the Consumer Credit Act 1974

 

I have been told that what I have is a personal loan, if thats the case then I am not sure how to deal with things from here.. I will try to scan and post documents but not the most savvy person with technology

 

My original amount was 11,028.60 which was 48 payments of £225.71 signed in Jan 2007 and only cancelled dd in sept up until then all payments are up to date

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that crap was me edditing my post

 

can you upload the agreement minus personel details but leave in the figures

 

use photo bucket and use the upload link for message boards with out thumbnails option

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I am so rubbish at this stuff.. I will try my best to sort it out asap. I guess its phot bucket .com

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just google

 

photobucket as one word

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back to work for me

 

ill check in later

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hmmmmmm i feel a gift of a car maybe?????? :)

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I have manged to scan docs to my computer but cant find the link in photobucket. I will have another go later

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hmmmmmm i feel a gift of a car maybe?????? :)

 

 

read my mind andie

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Hi completelyfedup

 

Can you repost the agreement, using the IMG for bulletin boards and forums (full size) link

 

T2

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Cant do it arrggghhh sorry

Edited by completelyfedup
cant add photos

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Don't worry - in photobucket click the "share" button, then "get link code", in the one that says "IMG for bulletin boards & forums" click into it so it turns blue, copy that, its the code you need

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Is that what is needed or does it go into the attatchment

Edited by completelyfedup

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too tired will do the rest tomorrow

Edited by completelyfedup

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now I have a headache lol..kept leaving info in that shouldnt have beemm there. I have the letter about now being able to V.T too but very tired and going to bed. I will post tomorrow

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