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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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welcome finance nightmare plz help


cardiff27
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hiya all was hoping to get some advice i took car on finance from welcome 3 years ago approx always made my payments on time my bnk card was misused by sum1 else but while it was bein sorted i temporarily stopped all d debits and had a new card sent out while this happened my welcome monthly d debit was missed an temp cancelled by me while i sorted my account out i contacted them an paid with my new d card wen it arrived i asked and asked to set up a new direct debit an i was told no as i had missed a payment for over a year now i have had to put up with these people phoning me every week for debit card payments sometimes 10 phone calls a week when they have called and i have been unable to answer due to work etc i have been charged for every 1 of these calls they have taken money of my card without permission on occassions and in all honesty with all these random payments ive lost track of my account and now mainly due to charges im now in arrears of £1600

they have served me with a default notice they said they would arrange to repossess my car byt u said they cant as i have paid over a third i have paid 6000 original agreement price was roughly 11 000 so thats deff over a third paid by me

they have hounded me tried to bully me and been so rude at times

i sent them a letter with an enclosed fee of £1 requesting a statement of my account sent by recorded delivery they wrote back saying i didnt enclose the £1 which is rubbish lol as i did so i then sent another request for the information this time with a £1 postal order again by recorded delivery they rang again demanding the £1600 but did admit they recieved the £1 payment and my account details were in the post this was approxx 2 weeks ago an still no statement of account so im wondering where on earth do i go from here i need my car and i dont wanna loose out on £6000 that i have already paid i have also written to them sayin i was mis sold the insurances again no reply to that the guy at welcome said they were goin to get a court order has any1 actually won in court against welcome ? i would really be greatful for any advice im worried to death over this thanks

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ps 4got to say i also believe i have paid a lot more through debit card payments than there saying ive paid working through my bank statements to confirm this i would really appreciate any help on this im a young woman with 2 kids and my head is ready to burst with all this stress and worry any advice would be so helpful - thanks x

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hi cardiff and welcome

 

another satisfied customer it seems

 

relax

 

they are not going to repo your car

 

if they do with out a court order, its payback time with 8% on top

 

 

lets get the info you require

 

send this

 

enclose a 10 quid postal order and send recorded

 

 

 

Welcome financial services

Compliance

Ruddington fields business park

Ruddington

Nottingham

NG11 6NZ

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 DPA subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

PRINT NAME

[name]

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hiya cardiff27,

Try not to let them bully you ive been through a nightmare with these loan sharks and i can honestly say i nearly had a nervous breakdown, thankfully ive have just settled my account and am free of them at last. I found these forums so helpful and the advice you get is like you said better than an advice center. Hopefully now post is on to it for you then things will start going in your favour,

take care

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hi cupcake thanks for the kind words glad your free of welcome hopefully soon i will be 2 an id love to have my day in court with 1 of there cocky employees id probably end up spending a day in the cells hahaha jk ... thanks for more helpfull advice postggj i will also get crackin on the insurance people to ... i feel less stressed now bcos i can actually do something rather than wait for there next move thanks all so much i mite even have a few glassess of wine tonight lol will keep updated with any news xxx

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hello all had some paperwork sent through this morning of welcome hmmmm theres a lot of charges missing of this 1 compared to my previous annual statement will upload them tonight to see if any one can help out with this shocked at the insurance costs and fees an intrest rate will upload later x

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take off the registration number of car and any personal details on uploaded paperwork never know who is reading ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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no worries forewarned is forearmed and we dont want them to be either lol x

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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ive just edited it lol i thought i hd removed all details shows how well i read contracts lol

hi edwi thanks for your kind comments everyone on here has been so helpful and understanding before i joined the forum i was ready to dance on welcome employees car bonnets in my highest stilletos but i fell a lot more calmer and in control of the situation thanks every1 xxx

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hiya i wondered if any1 could help me understand my statement sent by welcome as shown in link above many times on statement it shows a payment made and credited to my account then in the next line the same payment is shown as a debit and added back on to my outstanding balance and also im comparing bank statements to welcomes statement half of my card payments are missing and completely diff amounts are shown on welcomes statement to what my bank actually paid i dont no what i do about this ?

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Hey Cardiff. Welcome (sorry) to the Welscum forum. I have a lot of that going on with my statements aswell. A lot of credits suddenly become debits etc.

 

Your best bet is to post up your statements, and the agreement if you have it. Make sure you blank out all of the personal stuff first. Use photo bucket if you can (personally I hate the bloody thing. Never can work it properly). lol

 

This message will bump your thread up again and hopefully someone of import will be along swiftish to point you in the right direction on dealing with these ****.;) And Good Luck.

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heyas mark thanks for the comment i have posted the statement theres a link to my photo bucket on this thread im happy waiting until some1 is free to help me out with this had some great advice so far maybe sum1 should start a thread on whos not gunna be sending welcome a xmas card lol but yeh the credit debit thing is a bit odd i spent hours last night going through my bank statements loads of my payments are missin from my welcome statement but im sure it will get sorted x

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