Help with Welcome Finance

[Dele]

Thanks, to be honest we had got HP on a 3 year agreement (approx £10000 for £4000 car) which we paid and probably missed about 2 payments during that period. We paid them the last amount when the agreement was due to end to which they made a good profit! They then claimed we still owed them a few thousand, god knows were they got it from and the interest they applied to charges. We just basically fobbed them off and they applied a default on my partners file for this so called money we owed them. Thats was last year and we really havent done anything with it. They also applied large amount of fees to the loan we had - so we stopped paying that last year. another default for a disputed amount. Again we have really just turned our back on it..

[cab1ne]

Thanks, to be honest we had got HP on a 3 year agreement (approx £10000 for £4000 car) which we paid and probably missed about 2 payments during that period. We paid them the last amount when the agreement was due to end to which they made a good profit! They then claimed we still owed them a few thousand, god knows were they got it from and the interest they applied to charges. We just basically fobbed them off and they applied a default on my partners file for this so called money we owed them. Thats was last year and we really havent done anything with it. They also applied large amount of fees to the loan we had - so we stopped paying that last year. another default for a disputed amount. Again we have really just turned our back on it..

 

Had the agreement actually run its natural course, had it come to its contractual end.

 

cab

[beyondhope]

Thanks, to be honest we had got HP on a 3 year agreement (approx £10000 for £4000 car) which we paid and probably missed about 2 payments during that period. We paid them the last amount when the agreement was due to end to which they made a good profit! They then claimed we still owed them a few thousand, god knows were they got it from and the interest they applied to charges. We just basically fobbed them off and they applied a default on my partners file for this so called money we owed them. Thats was last year and we really havent done anything with it. They also applied large amount of fees to the loan we had - so we stopped paying that last year. another default for a disputed amount. Again we have really just turned our back on it..

 

Do you want to turn your back or do you want to stop them trashing your credit files and disappear and stop chasing you for money they probably arent entitled to anyway? if you want to sort it please make your own thread so more people can see it and offer help

[Dele]

Thanks Cab, yes it came to its contractual end

[Dele]

Thanks, will consider

[beyondhope]

Just had notice from the court the defendant DIDNT hand in their AQ....unless order served,they have until 25th august to file it!

[wannabedebtfreesoon]

Just had notice from the court the defendant DIDNT hand in their AQ....unless order served,they have until 25th august to file it!

Any news yet?? I'm wondering if Mr P might just be a bit too busy at the moment

[beyondhope]

Any news yet?? I'm wondering if Mr P might just be a bit too busy at the moment

 

Nope nothing.....im thinking 3pm fax to court on 25th but we will see.....Mr Beyond is home on Thursday so phonecall to court 10am on Thurs it will be

[wannabedebtfreesoon]

Nope nothing.....im thinking 3pm fax to court on 25th but we will see.....Mr Beyond is home on Thursday so phonecall to court 10am on Thurs it will be

Well Mr P would've gone to work this morning and found a massive headache waiting for him from my County Court and I've just sent him a migraine to follow it up lol!! Fingers crossed his head hurts too much to deal with yours

[beyondhope]

Well Mr P would've gone to work this morning and found a massive headache waiting for him from my County Court and I've just sent him a migraine to follow it up lol!! Fingers crossed his head hurts too much to deal with yours

 

You causing Mr P headaches......I dont believe it

Well I shall let you know asap as I wont be online Thursday morning as ill be making picnic bags for madams surprise party (it had better stay dry!) should they not have received it by our phone call 10am on Thursday there shall be a little trip over to the court to resubmit that form that got sent back due to a late defence

[wannabedebtfreesoon]

Mr P is on holiday on Thursday Won't be back til next Tuesday

[beyondhope]

Mr P is on holiday on Thursday Won't be back til next Tuesday

 

Mr P wants to hope he's sent it then or it will be a costly holiday for him as if its not in I believe that is the end of that so to speak

[Craigc2115]

Hi the exact same thing has happened to me!! same amount same monthly repayments.over 10 years.i would pay 15k for a car thats not even worth 5k now. i didnt think there was anything that could be done!

[beyondhope]

Hi the exact same thing has happened to me!! same amount same monthly repayments.over 10 years.i would pay 15k for a car thats not even worth 5k now. i didnt think there was anything that could be done!

 

There most certainly is especially if the paperwork is wrong and they repossess unlawfully

[wannabedebtfreesoon]

Mr P wants to hope he's sent it then or it will be a costly holiday for him as if its not in I believe that is the end of that so to speak

Is there any room for lateness though?? Courts give them far too much leeway

[beyondhope]

Is there any room for lateness though?? Courts give them far too much leeway

 

Not according to the unless order which states 4pm on 25th otherwise claimant can apply for judgement cant remember exact wording but what I sent to you in email before anyway (ill get it and add it in here once kids in bed)

[wannabedebtfreesoon]

Not according to the unless order which states 4pm on 25th otherwise claimant can apply for judgement cant remember exact wording but what I sent to you in email before anyway (ill get it and add it in here once kids in bed)

Hopefully the court sticks to its word and makes them comply to the the letter

[beyondhope]

Hopefully the court sticks to its word and makes them comply to the the letter

 

Well if they dont I will be complaining as there is no excuse for lateness when they have already had an extension (and using the wrong address is no excuse as the unless order has the correct address on) and the court have been far from fair and consistent up until now

[Craigc2115]

welcome made the big mistake of taking me to there offices.so i will be on there door step 2moz with my agreement in hand.demanding answers.if they are having my trousers down, ill make sure it doesnt happen again.i dont know how they sleep at night! or how thewy can legally get away with this.an absolute outrage!

[wannabedebtfreesoon]

Well if they dont I will be complaining as there is no excuse for lateness when they have already had an extension (and using the wrong address is no excuse as the unless order has the correct address on) and the court have been far from fair and consistent up until now

oooooo....now there speaks a woman scorned!!

[beyondhope]

welcome made the big mistake of taking me to there offices.so i will be on there door step 2moz with my agreement in hand.demanding answers.if they are having my trousers down, ill make sure it doesnt happen again.i dont know how they sleep at night! or how thewy can legally get away with this.an absolute outrage!

 

it is ridiculous!! I hope you can get some help if you need advice start your own thread theres plenty of us around my main point would be keep EVERYTHING in writing, do nothing verbally (phone or in person) as it stands for nothing and is no back up for you for when they change their minds on what they have

[Craigc2115]

im new to this so how do i start my own thread? lol

[beyondhope]

im new to this so how do i start my own thread? lol

 

click HERE and write your story

[Craigc2115]

ok thanx very much for ur advice and help in gettin me the advice i need.

[beyondhope]

ok thanx very much for ur advice and help in gettin me the advice i need.

 

No probs