Welcome moved the goalposts

[slimblondeuk]

Hi wondered if you could help, I got a car from welcome in March this year, in July this year I lost my job and could not afford to pay them the full amount of 227.12, after a few months of struggling to pay I rang them, they couldn't have been nicer and said I could just pay what I could afford. Sometimes I paid £20 a month sometimes up to £50 a month, always a 'field' visit, and also by somebody different everytime as people kept leaving the company. I last spoke to my 'current' account manager in december when I paid by debit card as I had for the last 3 months, she said she would speak to me in January to get another payment from me, she also gently reminded me that I was in arrears, and I said that i understood but i didnt have a job yet and hopefully things would get back to normal. I never had any letters or anything. Then on Monday 4th Jan 2010 I got a 'Without Prejudice' default notice saying that if i didnt pay 900 odd quid in the next 14 days they would take th car from me. I rang and spoke to the 'branch manager' and said how could they all of a sudden move the goalposts, I hadn't defaulted as I had a payment plan which they had agreed to, he just kept reverting back to the original agreement. I couldn't reason with him, he contradicted himself and didnt know what he was talking about. What can I do? I have 3 kids, and an opportunity of a job that requires a car. PLEASE HELP!

[maroondevo52]

Hello and Welcome, slimblondeuk.

 

I'll move your thread to the Welcome Finance Forum.

 

Regards.

 

Scott.

[beyondhope]

Hi Slim do you have a copy of your agreement? If you do scan it in and use photobucket to post a link to her here lets have a look at the agreement make sure you delete all personal information but leave the figures in there

[mark1arby]

WOW!!! They don`t Know HOW to Stop. Do They?

[Dibbothe3rd]

after all the crap they have been though recently, they still havent learnt!

 

it amazes me.

 

Hold tight slim, get your agreemnt up on here via photobucket (minus personal details) and someone will be along to give u a hand.

[ozzywizard]

Then on Monday 4th Jan 2010 I got a 'Without Prejudice' default notice saying that if i didnt pay 900 odd quid in the next 14 days they would take th car from me

 

Did the default notice give a numerical date on it or just 14 days ?

[slimblondeuk]

hi thank you to everybody that replied to my post, just knowing i have people trying to help me makes me feel a lot better. I shall photobucket my agreement, also in response to ozzywizard, it doesn't give a numerical date just says, and i quote: 'fourteen (14) days'.

[mark1arby]

Hello slimblondeuk. Do not worry yourself about that Default Notice. Is it the first you`ve had the pleasure of receiving?

 

There being no numerical date is important. That alone makes it toilet paper.

 

Why would they send a DN that they do not intend/ are unable to use in a court of Law? With Out Prejudice means just that.

 

Cheers, MARK

[slimblondeuk]

Right here are the agreements, i hope i've done it properly, i really dont have a clue! 8-)

[slimblondeuk]

Thanks Mark, i'm having probs with the agreements ive managed attachments there are supposed to be 5 but? i did that photobucket thing and their in an album but how on earth do i get them onto here?

[dawnytrish]

Hi Slimblonde,

 

What I have done.....and it seems to work (more by trial and error LOL) is go back to your album page and then copy and paste the link bar from the top into your thread.

 

Hope this makes sense.....I'm a bit computer illiterate.

 

Dawn

xxxx

[slimblondeuk]

Pictures by slimblondeuk - Photobucket i think

i've done it, thanks for your help dawn xx

Edited January 5, 2010 by slimblondeuk
need to take off car details

[dawnytrish]

You have left car details on the agreement.

 

XXXX

[slimblondeuk]

bloody hell, i dont know how to delete the thread with the agreements on

[postggj]

Ill Contact Site Team For You

[postggj]

Seems Ive Totalled Another Agreement Today

Option Fee

Whats That

Normally Its An Option To Purchase The Car But Its Normally About Fifty Quid

 

Now Ime Going To Give You The Good News

 

You Are Paying Interest On It

Thats A No No As Its A Charge For Credit

 

That £1 Has Just Made The AgreemenT Crap

[slimblondeuk]

thanks post, i've just deleted the two agreements on photobucket so hopefully that will do the trick, i will then add them again without the car details, i hope to god i have been quick enough

[postggj]

You Were, No Probs

 

The Agreement Is Crap But Give Me A Few Days To Go Through The Figures

[slimblondeuk]

Thats great news, am sorry to sound thick but i just don't understand how the £1 makes the agreement null and void. Could you please explain to me in laymans terms, and also where do i go from here?

[postggj]

The Option Fee Is An Option To Purchase

 

Thats A Final Payment That Goes With Your Last Instalment.

But It Has Been Included In The Charge For Credit, Being Its Having Interest Charged Against It.

This Option Fee Is A Charge For Credit So No Interest Is Allowed To Be Charged Against It.

 

Thats A No No

 

A Quid Does Not Sound Much But Its A Healthy Sum For Welcome Over The Term Of The Loan At There Apr

 

Well Done

[Dibbothe3rd]

just a thought, the option fee may be included on the agreement, but the amount actually credit to the account at the start maybe different by the £1.

 

Check the amount at start on a statement and see if there is a difference to the agreement. This is what happened on mine. not sure if this makes a difference or not!

[postggj]

It Will Make No Difference As It Has Been Recorded In The Amount Of Credit On The Agreement

 

Thanks Though

 

I Need People To Keep Me On My Toes

 

We All Have To Learn, Even Me

[slimblondeuk]

Pictures by slimblondeuk - Photobucket right here they are again without details, god, how dim am I?

[postggj]

Mechanical Break Down Insurance £550 Quid

Over The Period Of The Loan That Would Cost £778

Thats For Two Years

[djwigster]

I see the total amount payable is quoted as £11,152.78, whereas the 48 payments x £227.12 = £10901.76...looks like they have added the deposit in to the t.a.p as well, like on the agreement on MICHFERGIEs thread:

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/230291-welscum-3.html

 

Also, its strange they havent stitched you up with an Acceptance Fee...they usually do

 

...shame for them about the Option Fee though

Edited January 5, 2010 by djwigster
typo