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MICHFERGIE
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Been haing trouble with Welcome Finance for nearly 4 years sold me a dud car and its gone from bad to worse

Won a PPI refund through the OMBUDSMAN but due to account dispute have not made a payment fro over a year

Anyway have won nearly £2000 plus compensation onlyto be told that it will be refunded to teh account due to the arrears they may pay me a cheque for £500 for the 8% interest and compensation for saying they would pay me then they wouldnt, they have been so nasty to me

Phoned the compliance department yesterday and they are useless been dealing with the local office in Hull and they are worse they reduced my bill in May to £2000, but failed to tell compliance so now compliance will not refind teh PPI through the ombudsman till i sign a new agreement which I am not willing to do they are such liars

Can someone please help me I am fed up I want these people now in court""

 

Michfergie:confused::evil:

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Right

 

You Are Entitled To Contractual Interest

That The Interest Rate Welcome Were Charging You

 

Before This Goes Any Further Can Youn Post Up Your Agreement Minus Personel Details

 

I Never Recomend Signing Any New Agreement With Welcome#

Ask Your Self

 

why

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Dont sign an new agreement whatever you do. You now need to go back to the Ombudsman and complain that they haven't complied and are being 'inventive' with the money you are due. The Ombudsman has a right to enforce these companies to carry out the compensation it awards YOU, not THEM and need to be informed asap.

 

Also with the Acceptance Fee, PPI and other ''cost for credit' in that agreeement I think the entire agreement is unenforceable but then its not my area of expertise.

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Thanks Silly Girl I also agree I have tried to get someone to help me because I only owe them £2000 so they told me the collections at Hull told me this in May but the compliance department have said no and that I owe £3780 I should never have believed them they are liars

 

I had a solicitor working on this for 2 years and because the balance was so low I could not get legal aid therefore I could not afford to take this any further do you know anyone that could help me no win no fee I am desperate the slimy sods now want to take teh car and sell it a auction and I still would owe £2700

 

I am now desperate""

Also the ombudsman cannot help me anymore they have said as I should sign a new agreement"" not preapred to do this therefore they have said at welcome I am not getting a refund""

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Morning Mich. I am sure one of the experience helpers will pick up on your thread as soon as they can. It has been very busy on here these last few weeks. Your dealings sound like a typical Welcome Nightmare Story. Dont give up hope. I am sure help will arrive soon !!

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i take it you have had your agreement checked out (confirm)

welcome seem rather keen on getting you to sign a new one

 

2004/5 welcomes agreements were nothing more than toilet paper

 

what should happen is the loan is taken back to where it all started minus the ppi

then take off your payments plus 8% interest

 

then the total is what you owe

 

that gets rid of any penalty charges etc

 

you say the car is a dud

 

what excuse did the warrinty people give not to pay out

 

was it

 

WEAR AND TEAR

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Thanks everyone

 

Re the agreement I have had the law society look at it and they have said its unenforceable as it was not signed by Welcome on the date I signed it it was posted by me to Manchester

I cannot afford a solicitor had a lady from stephensons looking at the details for nearly 2 years she then turned round and said she could do not more as the amount I owed was under £5000 and she could not get legal aid

 

The crafty devils at Hull who i have been paying my money to said in May they would reduce the balance to £2k as long as i started repaying which I did I never recieved anything in writting just a text message yet when the compliance department got involved re the PPI they did not know anything about this and will not agree the balance is £2000 so guess what I am not signing a new agreement so I am not getting the PPI refund

They are terrible I have sent my agreement to a no win no fee company and I belive I have a winner

The car needed a new engine after 3 months and then it just went downhill, and is not been used now the crafty devils have offered to take the car and sell it at auction do they really think I am stupid"":evil::-?

 

Thanks

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what excuse did welcome give you on not being able to repair the car ref warranty

 

please post the agreement minus personel info onto your thread

 

google photo bucket and use the upload link for message boards without the thumbnails option to post

 

ill tell you then if you have a duff agreement

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Hi I cannot use photobucket at work its a PDF file if you give me yor email address I will email its a real good one

 

I did get the car repaired under warrenty but when the warrenty expired I had to start paying hence it been sat on the driveway for over a year

 

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hi there just emailed my agreement let me know if tyo want teh garage invoice as I said there is 20 diffeence plus the agreement was signed by netcars who were the brokers at the time in Manchester not in York where I bought the car""

 

Thanks

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