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    • Yeah, I would confirm that anyway, as there is a separate sheet where I have to put in those details and my insurance number and driving licence number. That is on page 2 (page one is their allegations) then page three is a statement that you weren't the driver and space to give details who was driving. Page 4 is an empty sheet for a statement to explain the situation. So I will fill out my details as the driver on page 2, admitting I was driving at the time, and then attach my statement as above as a separate sheet. That should hopefully do it at this stage
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    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Done over by Welcome Finance I think?


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I took a loan out with Welcom in January 2007- £3500 over 36 months. Stupidly seemed to end up with PPI( Now trying to claim that back- solicitor fighting that one)at £1216 plus a admin fee of £75 so total credit provided on teh whole thing was £4791.98. Didn't pay any attention to the details- i had a poor credit rating and was just relieved to get the loan in the first place. They set Total Charge for Interest at £3710.14 and state an interest rate of 51.11% p.a and monthly payments of £236.17

I am checking with my bank but i am almost certain that the first payment was Jan 2007 so as far as i am concerned it is finished but they have phoned me to say that i still owe them £305.25.

This has spurred me to get the paperwork out and now taking real time over it all i think i have paid too much as the Personal Statement says that the amount of Credit is £4791.98 which i agree with but it shows Annual interest Rate at 42% and all my payments have been at the £236.17. the amount payable for the 51.11%. Surely if the interest rate on the statement is lower than on the agreement, my payments should have gone down? Any suggestions or am i just being thick!!!

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if anyone is able to help i would be very grateful, i have my loan agreement and the statements that they sent if you need to see them, but to be honest they might as well be in dutch because no matter how i looked at them i can't make any sense of it all.

I just don't want to get caught up on the telephone with these guys and end up paying yet more money.

Although i see from other threads that you should refuse to speak to them , i will tell them that the next time the try to call me.

 

Any Help on what to do now and i would be eternally thankful.

 

It is all just so frustrating and to make it worse my husband has his own loan with them so i will have to be looking at that also once i've dealt with this.:(

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I scanned them but the came up as a pdf so i have attached them, i hope it works.

 

I have also scanned a letter i got from them yesterday about a settlement figure- it says it is in response to my written request - i have never written to them!!!

 

I really hope this has worked and you can help

Edited by Maycaz
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cash loan £3500 over 36 months at 53.03 % apr

 

thats a monthly repayment of £175.23

interest £2808.61

total payable £6308.61

 

now we add insurance

 

ppi insurance £1216.98 over 36 months at 53.03 % apr

 

interest £976.57

monthly payment £60.93

total payable £2193.55

 

so we add the loan interest and insurance interest to give £3785.18 then add acceptance fee of £75 to give a total £3860.18

 

so we add

 

£3860.18

£3500 loan

£1216.98 insurance to give a total amount repayable £8577.16 (ouch)

devide by 36 to give a monthly figure of £238.25

 

 

welcomes total amount payable is £8502.12

yours is £8577.16

 

a difference £75

 

 

 

where welcome have fouled up is the total charge for credit, well the interest on £4716.98 is £3785.19

welcome have it £3710.14

to that we add acceptance fee of £75 to give £3785.14

 

 

welcome are out by £75 quid as the amount of interest has been mis-stated

 

 

welcome do crap agreement to confuse punters, looks like they even confuse there own staff

 

muppetts

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cash loan £3500 over 36 months at 53.03 % apr

 

thats a monthly repayment of £175.23

interest £2808.61

total payable £6308.61

 

now we add insurance

 

ppi insurance £1216.98 over 36 months at 53.03 % apr

 

interest £976.57

monthly payment £60.93

total payable £2193.55

 

so we add the loan interest and insurance interest to give £3785.18 then add acceptance fee of £75 to give a total £3860.18

 

so we add

 

£3860.18

£3500 loan

£1216.98 insurance to give a total amount repayable £8577.16 (ouch)

devide by 36 to give a monthly figure of £238.25

 

 

welcomes total amount payable is £8502.12

yours is £8577.16

 

a difference £75

 

 

 

where welcome have fouled up is the total charge for credit, well the interest on £4716.98 is £3785.19

welcome have it £3710.14

to that we add acceptance fee of £75 to give £3785.14

 

 

welcome are out by £75 quid as the amount of interest has been mis-stated

 

 

welcome do crap agreement to confuse punters, looks like they even confuse there own staff

 

muppetts

 

So does this mean the agreement is unenforceable then?

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Thank you for the work you have done. But what should i do now, if it is correct should i just let it go or should i stand my ground and do something about the details being mis-stated. I don't want to give these guys an inch if i dont have to?

Also i have noticed today and it is on the documents that i posted, i actually don't have in my possession a signed copy of the credit agreement. I signed my copy and sent it to them but i haven't actually got a copy signed by them- should i have?

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I know you must get so sick of questions but not only have they confused themselves but they have done a bloody good job of sending all my sense of reasoning and comprehension out of the window!

I am absolutely drained by all this!

 

I can confirm that None of the paperwork that i have is signed by them.

So does that make the whole loan invalid?

 

Sorry for appearing a bit thick on this but what I can do now?

 

Do i send them some sort of letter or do i just ignore them:idea:

 

I want them to go away but i don't want to pay something i either shouldn't or don't have to.

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  • 2 weeks later...

I have had 2 letters from these people in 2 days and really i'm at my wits end!

 

The original details i had in January after they said i still had money to pay was £305.25

I posted that on here with the loan agreement docs which you reviewed and stated that the amounts on the original paperwork were wrong so technically it is unenforceable.Also my agreement document is not signed by anyone at Welcome.

 

I then got a letter on Thursday telling me that i had had £25 added to my account for UnpaidDD/Cheque. So if they were correct that would take the amount owed to £330.25

Saturday i got a Notice of Sum in Arrears and it states - Opening Balance of £315.93 and then " Shortfall for the Purpose of this Notice £602.10" how on earth can this be.

 

What do i do or say to stop these guys or can they just do what they like!

 

Please Help

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I have been reviewing other posts about Welcome ,Can you tell me -should Ii notify them that i wish to put the account into dispute - you seem to advise that in a number of cases or do i just write to them and say that i have taken advise on the matter and that the figures have been reviewed and unfortunately it has come to my attention that the initial figures on my agreement are incorrect and in my understanding, along with that fact that my initial loan agreement ( the one i have in my posession) is not signed by anyone from Welcome Finance would mean that the loan itself ius un-enforceable. Or is this the wrong tack to take with these guys- would they take me to court?

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