Jump to content


mightyflames2

welcome car finance nightmare

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3626 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

hi all

back in january 2007 myself and my wife purchased a 2005 nissan almera with welcome at the extortionate price of £7000...needed a car we were desperate its how these monkeys make there money though aint it ..the paymenst per month were £230 we kept up the payments for 12 months with no issues but then my wife was made redundent and we just could not keep up the payments on said vehical...we explained to welcome our circumstances and they didnt give a rats behind offered no help at all and basically said pay up or lose your car ..and tryed to steer my wife in to paying over 600 quid in missed payments over the phone.. it was by sheer luck that i walked in at that moment and stopped her from doing so after the moron on the other end of the phone had reduced her to tears ..i then said to them we cant afford it and do what ever it is that you have to do and put the phone down on them ...we never ever received any kind of default notice in the post at any time never once did we have any kind of correspondence with them via mail..2 weeks later they phoned and told me that they were repossesing the car ..not once did i agree to this but they said they would anyway..as luck would have it my brother had an old nissan he was going to trade in for a new car but being the kinda guy he is gave me the car instead so now i had 2 cars on my drive one waiting for welcome to get off there back sides and collect it ...9 weeks later and still no contact with welcome i come home from work one day with my wife to find the almera has gone and a letter through the letter box from someone collecting the car on behalf of welcome ..so thus i called welcome and asked for an explanation..told them they had not even got the keys or paperwork apart from the logbook which was in the glove box they said it did not matter and they would deal with the paperwork and not to worry and that was the end of the matter ...3 months later i get a call from welcome saying that they had sold the almera and there was an outstanding balance and that myself and my wife need to pay this off i asked how much they would not answer i asked for it in writing and that a new credit agreement be written up for the amount and they would not do so now i get a call from them 5 times a week and i just hang up on them basically saying if you cant tell me what i want to hear then i wont pay you ...not once have i been told in writing or otherwise how much i owe even though i have asked .all i have got is a letter demanding 20 quid for phone calls from welcome to myself and as far as im concerned they can shove those where the sun dont shine ..to top it all they didnt tell the DVLA of the change of ownership and i was hit with a £50 fine but i contested it and told them it was welcomes screw up and the case was dropped ...so can anyone tell me where i stand on this and if welcome really have a leg to stand on ..its been almost 12 months of this crap and im really getting sick of it now .

forumbox_right_tile.gifforumbox_bottom_left.gifforumbox_bottom_tile.gifforumbox_bottom_right.gif

Share this post


Link to post
Share on other sites

oooh could be a good thing for your from what I have gathered from other threads on here.

 

What was the total length of the agreement? 48 months? Had you paid at least a 3rd of the value? Also, did they issue you with a court order to repossess the car?

 

need a bit more info regarding how many payments and if possible, can you scan and upload your agreement minus your personal and car details?

 

That way someone with more knowledge than me can have a nosey at it.

Share this post


Link to post
Share on other sites

cant find the agreement at the moment but the length was 48 months. we had not paid over a 3rd and they did not get a court order to repossess the car nor did they inform us on what date they were coming to collect it.we knew nothing untill they took the vehical ..and then i had to chase them over it

Share this post


Link to post
Share on other sites

How Menny Payments Were You Behind When They Took The Car

Can You Confirm No Default Notive And No Termination Notice Recrecrivrd

Share this post


Link to post
Share on other sites

i was the same with my car they phoned me at work the bitch on the other end was really nasty demanding payment there and then of the total amount i had been out of work for 2 months prior asn could no way afford it and couldnt claim the mis sold ppi because i was self employed makes no sense to me at all why they made me take this knowing i was self employed

 

anyway the car had blown a head gasgot for the second time in 4 months and there was no way i was paying over £500 again and told them this but they never got bak to me to cme collect the car so it was sitting outside ma mum and dads waiting for them the tax had ran out and i no longer seen it as mt responsibility

 

now the bitch on the phone demanding money reduced it to just half which i was still not going to pay she then went off on one and shouted down the phn where workmates could hear as it was a small shop we were fitting out and i quote "where is the car we will be round in the hour to reposses it" i said fine u better bring a recovery truck because its been sitting with no engine for near on 2 months

 

soon as i said that she just calmed down right away and asked nice as u like could u just make a token payment of atleast £10 so i did

 

the car was then taken and crushed for having no tax and im still paying it off as a un secured loan but i have not singed anything or never will sing anythin they put infront of me these scumbags need taught a lesson

Share this post


Link to post
Share on other sites

3 payments late and no default or termination notice was ever served ..have checked credit report and there is a default from welcome on there but thats for what they call the reamaining balance..not for the missed payments before the car was repossessed

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...