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Welcome - illegal repo in contravention of section 92 and unfair relationship ** WON **


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I definitely didn't receive a DN and there isn't one registered on my credit file, although welcome say one was issued on the 16th July 2009.

 

The only thing I have from them is a without prejudice letter saying they are terminating.

http://i605.photobucket.com/albums/tt133/suritaw/withoutprejudice.jpg

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The thing is why would they deny coming onto your property unless they knew they weren't supposed to??!

That is a very sensible idea, I am so appalled at yesterdays events I want every party to be held accountable for their actions. It's not fair that people can get away with flounting the law when it suits them and the consumer has to just take it.

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lets run down the figures shall we on the modified agreement

 

amount of credit (loan) £4625.81

now the interest on that at 8.9 % would be £1304.67

so the total amount payable will be £5930.48

devide by 72 m0nthly payments gives £82.36

 

 

WELCOME HAVE YOU DOWN FOR 72 PAYMENTS AT £95.08 WHICH GIVES A TOTAL REPAYABKE OF £6845.76

 

WELCOME HAVE SHAFTED YOU BY £915.28

 

 

GAME OVER

OVER

OVER:grin::grin::grin::grin::grin::grin:

 

LETS START THE ILLEGAL REPO MOVING NOW SHALL WE

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I definitely didn't receive a DN and there isn't one registered on my credit file, although welcome say one was issued on the 16th July 2009.

 

The only thing I have from them is a without prejudice letter saying they are terminating.

http://i605.photobucket.com/albums/tt133/suritaw/withoutprejudice.jpg

 

how can an agreement be terminated without prejudice:eek:

 

cab

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lets run down the figures shall we on the modified agreement

 

amount of credit (loan) £4625.81

now the interest on that at 8.9 % would be £1304.67

so the total amount payable will be £5930.48

devide by 72 m0nthly payments gives £82.36

 

 

WELCOME HAVE YOU DOWN FOR 72 PAYMENTS AT £95.08 WHICH GIVES A TOTAL REPAYABKE OF £6845.76

 

WELCOME HAVE SHAFTED YOU BY £915.28

 

 

GAME OVER

OVER

OVER:grin::grin::grin::grin::grin::grin:

 

LETS START THE ILLEGAL REPO MOVING NOW SHALL WE

 

Yes please! Let's do that! Oh and it says 73 months on my credit file

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So The Amount Of Credit Will Be £4625.81 Plus Acceptance Fee Of £195

Total £4820.81

 

Now The Interest Over 72 Months At 8.9 % Gives £1359.66 Add £4820.21 Gives A

 

Total Amount Of Credit (lacking On The Agreement) £6179.87

Now Devide That By 72 Gives A Monthly Figure Of £85.83

 

Not £95.08 On The Agreement

 

The Welcome Total Amount Payable Works Out As £6845.76

 

Welcome Have Shafted You By £665.87

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It's hardly surprising with these cretins! They shafted me anyway because I went to them to say I could no longer work because my partner had become disabled and I had to care for him, so they thought it would be a good idea to put me further in debt.

 

Question is where do I go from here?

I have to pop out to collect my children from school, I'll be back in half hour.

Thank you so much for your help, I really hope something can be done to resolve this sorry mess.

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It's hardly surprising with these cretins! They shafted me anyway because I went to them to say I could no longer work because my partner had become disabled and I had to care for him, so they thought it would be a good idea to put me further in debt.

 

If you had PPI with this agreement and you have now become a 'carer' it might be worth checking your policy as some--but not all-- of these have becoming a carer as qualifying for the benefits of the policy in the same why as illness etc. does.

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