Jump to content


  • Tweets

  • Posts

    • I think it was from 18months ago.    You’ll probably think I’m fussing again but I’ve got a feeling they’ll take mine further due to the shear amount that is owed, I’ll be astounding if they don’t. 
    • as I said read the date of the thread many moons ago.   its not illegal either, debt is a civil matter not a criminal one.   dx  
    • Hi Andy   Thank you for the link, it was very helpful, appreciate it.    I was actually made to feel quite 'stupid' and felt as if i was wasting the forums time on this thread after DX's comments in post #38.      Please see attached the necessary documents, please do let me know if you require anything else, many thanks.   Files attached:  - Default Notice   - statement of Default Notice  - Reconstituted Agreement & T&Cs - 3 different sets   P.S - sorry about the quality of the T&Cs, the high quality files were too large and had to reduce them.   Thanks, Roland   Exhibit JK1.pdf
    • If it’s so easy to get shut of a PayPal negative balance how come everyone doesn’t do it as such? I guess it’s morally wrong but not illegal!?    I read a thread were a PayPal employee said “paypal WILL take you to court and WONT let it lie, they have a specialist team that chase negative accounts over a ceratain amount which I’ll defo meet that criteria 
    • date of claim 14th November (2019)   What is the claim for – the reason they have issued the claim?  1) The claim comprises the following agreement the defendant entered into: a. JD Williams & Co with reverence 1234567 and current balance of £559.77 The agreement was terminated as payments were not maintained and subsequently assigned to the claimant. And the claimant claims: a) The said sum of £559.77 b) Interest pursuant to # s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £44.ui c) Costs   What is the total value of the claim? £735   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes  Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue   When did you enter into the original agreement before or after April 2007 ? Before   Do you recall how you entered into the agreement...On line /In branch/By post ? I think by post   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? No   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser - Lowell   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes   Did you receive a Default Notice from the original creditor? Yes   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Couldn’t afford the interest    What was the date of your last payment? Over two years ago to the DCA   Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes
  • Our picks

Danny27404

Welcome Car finance Handiong car back.

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3631 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

Hello i've had a car on finance (Wish i didn't) and had a company contact me offering me a much better deal, well 50% cheaper deal now my credit score has improved. Welcome will not speak to me on the phone they hang up when i say it is to discuss the handing back of my car and its annoying me. So does anyone know what welcomes procedure is? I can see on my contract when i have paid 50% of the whole loan back they will take it off me but i just want the car gone with 40% paid and with the extended warranty that has not fixed one thing on the car because the part is not coverd. I just want to get a new car new agreement with this other company and enjoy my extra £150 a month i will save. Many thanks for any advice.

Share this post


Link to post
Share on other sites

oooh I wouldnt take a new deal with them, they are in a little bit of trouble.

 

you may be able to claim the the extended warranty back!!

 

have a read through all the other threads to get a feel about how Welcome operate and you will get the jist of how much trouble they are in.

Share this post


Link to post
Share on other sites

Sorry have not made myself clear the new deal is not with Welcome its through saab a proper deal lol i just want welcome gone but as i said its hard to get a answer off them.

Share this post


Link to post
Share on other sites

aah heh, thats more like it then.

 

just a thought! what insurances did you take out with Welcome? Also, did you get any insurance documentation like the policy certificate? How did you find out that the parts were not covered on the mechanical breakdown insurance?

 

Im currently trying to claim back the insurance paid for both Mechanical Breakdown and Shortfall Insurance under their 30 day rule as I never received any paperwork until I requested it in October 2009. I got my car in March 2008.

Share this post


Link to post
Share on other sites

Shortfall and Mechanical.... My suspension went about 2 months after i got the car it was worn bad and the 136point safety check said all was ok plus i have only noticed yesterday the car had advice warnings on the MOT and i do not have the paperwork for that just the MOT certificate!!! The warranty people said you bought the car with a defect your not coverd. I argued i am not a mechanic and they are part of welcome finace do somethihng about it blah blah well sod all happend. Wheel bearings went then electrics went and eventually i got out of the welcome warranty people that it is not worth the paper its written on because everything is wear and tear.

Share this post


Link to post
Share on other sites

I am thinking of throwing all this at welcome and saying take the car leave me alone or i'll persue refunds which for me is 1.3k including the bulk interest they put on it.

Share this post


Link to post
Share on other sites

Update i need a damage inspection form?? Welcome are going to pick my car up but i'm going to take photo's and get the bloke to sign a damage check sheet or something?? Thanks

Share this post


Link to post
Share on other sites

looks like they sold you a dodgy car that wasn't fit for purpose!

 

depends on how you want to play this, if they accept to take the car back with no questions asked and no further liability on your part then make sure you get it in writing.

 

there are stories on here about people having the car taken back and then still being chased for the balance.

 

also i suspect there are alternate routes to claim back not only the insurance, but the rest of the monies paid as the car was not fit for purpose and your repair costs, but you will need someone with more knowledge of this area and no doubt it would be a lengthy process.

Share this post


Link to post
Share on other sites

I've been reading the pages and pages about and think i got a idea...

 

1. When bloke comes to pick up car take photo's, get him to sign a damage sheet that highlights any damage if any. To stop them claiming for damage later on.

 

2. Keep everything from now on logged and expect a mess up somewhere. From the phone call it seems my insurance's will be refunded but i'm not holding my breath.

Share this post


Link to post
Share on other sites

Ok, seems like you have got a hold of the situation. just make sure you get confirmation on what is happening before they take the car! Also confirm with them who is picking the car up as I read somewhere that a car was picked up but welcome did not have any knowledge of it.

Share this post


Link to post
Share on other sites

Ok will do, cant believe what i have had to do today to get a answer off them god they were ok till i've had to speak to them. Glad i came here hopefully i can keep 1 step ahead of them. One question though if the bloke refuse's to sign the final damage form if i can find one... what shall i do? I'd imagine just refuse to hand over the keys tell him to go.

Share this post


Link to post
Share on other sites

id not hand over the keys without a signature of some description


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:

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...