Me & Welcome Finance

[mark1arby]

Following this one with interest. Already learning things. Teamwork at it`s finest.

 

Good to see, Cheers OZZY and MAJOR. You`re stars.

 

Cheers, MARK

[beyondhope]

following with interest also

[anusca]

well, despite my conversation with the branch manager yesterday, the collecter still turned up for the car this morning.

 

Thankfully my husband had taken the car so there wasn't much of an argument as to whether or not I could give it to him.

 

Right, where should I go from here once I have all my bank statements?

 

I assume he will be coming back again at some point and would quite franfky rather avoid the argument,

but I will have it if I need to.

 

Last time he threatened to go and get the police to come and uplift the car,

is there any merit in this at all, (even assuming I haven't paid over a third)

seeing as they've sent me no notice of repossession or termination of contract letter?

[pickaname]

Morning, I am pretty certain, on one of the many threads here, it states the police will do nothing.

 

Its all bluff and bulling tactics on the collectors part.

 

If you have paid a third and they try to lift the car you can call the police and report them for attempted theft.

 

Were they in a car transporter or were they going to drive the car?

[anusca]

I assume they were going to drive it as there was no car transporter.

Is it all to get me more nervous because I hate to say it but it's working.

 

Will feel better once I talk to bank.

 

As long as all the numbers are right, should I then contact the police

and let them know what's going on, or do nothing until the collector turns up annanounced again?

[pickaname]

On another thread, think it might have been beyonds????, it mentioned calling the police and speaking to the moneylending???? department.

 

Just done a search, its on post 9 of this thread. lol. :grin: Sillgirl mentioned it.

[mark1arby]

Dont call him back, they are desperate for money and 'property' at the moment. He does not deserve a phone call after the hassle you had this morning. If he does get to speak to you tell him "Everything in writing" and do not agree to anything on the phone. They will try to get you to realign your debt.

 

What you also need to do is report their attempted uplift of your car as attempted theft to the local police, they need to know that they are operating an illegal operation in your area, ask to be put through to the moneylending specialist force and get their assistance... Welcome are after all a moneylender.

 

Anusca. If they turn up again to attempt to take the car. tell them the account is in dispute ( even if it isn`t yet ). We need to have a look at what the **** send you in the CCA Request. Don`t let them take it, just be totally bloody minded with them.

 

You should do what sillygirl advises. ring the Polce and make a Complaint of someone in the area Trespassing on your property. In fact you may be being stalked, as you have noticed them on a number of oaccasions near your vehicle and property.Don`t worry this is not extreme at all. Just think of what the **** have been doing to you. And it will elicit a response. I don`t know but they may give some contact details for if you SEE these Trespassers again.

 

In the meantime if they turn up cell 999 and report that you are frightened of someone who is trespassing/ stalking/ acting suspiciously or trying to steal your car.

 

Remember the Police can NOT attend as his back up. He will NOT call them himself. Although Unfortunately sometimes ( very rarely) the Police do not know what they should do in this situation. If you remind them that THEIR Only Duty is to Prevent a Breach of the Peace, and that this is in dispute, then they should actually ask them to leave.

 

Also, take photographs, if you can, of who ever is there and the vehicle they are using. Get names if you can. Make notes of what is occuring and being said. This could all help later, but at the time They I would expect will be Very Worried ( more than you in fact) that You Know what you are doing, and that they may have something wrong.

 

They Will Go Away if You are Strong and Do NOT allow them to Bully You. Stick to your guns. This will give time for the CCA to turn up. And then WE can look if this can be Legally Disputed. Which knowing the **** Is a 99.999999% Certainty.

 

Cheers, MARK

[anusca]

hey everyone, thanks for all of this help,

it has been a massive weight off my shoulders having other peoples opinion (and knowledge) on this.

 

I have gone into my old bank and they are going to do everything they can to get me all of the info

as quickly as possible re payments made to Welcome, but it could take up to 10 days apparently as it's a closed account.

 

What do I do in the meantime? continue holding off the branch manager?

or just informing him that the account is in dispute (even though technically it isn't yet)

I can only afford to pay him a maximum of 400 or so pounds this friday and I'm just worried as to what the response will be.

[anusca]

ok so have now had a phonecall from the collector saying that he was on his way to pick up the car,

despite being told (apparently) by the manager not to.

 

I have now given my husbands card details over for a payment on friday (won't be any money in there mind)

so he is now not coming.

 

I have saved the voicemail that he left for me but what else can I do?

[postggj]

please anusca

take a step back and think

 

welcome are taking control of this

 

its all mind games

 

cancel your card or they will empty your account with out telling you

 

they cant repo with out a court order

 

stop speaking to them on the phone

 

everything in writing

 

send the telephone harrasmant template to remove your telephone number

[anusca]

please anusca

take a step back and think

 

welcome are taking control of this

 

its all mind games

 

cancel your card or they will empty your account with out telling you

 

they cant repo with out a court order

 

stop speaking to them on the phone

 

everything in writing

 

send the telephone harrasmant template to remove your telephone number

 

Thanks. Is that the case even if I haven't gone over a third of the payment?

 

Am almost 100% sure that I have but really need the bank statements to prove it.

 

Also, I don't have a garage, only a driveway so would they be able to tow it from there if they wanted?

[anusca]

Also, could I have a copy of the telephone harrassment template? and where should I send it to, my local office or the head branch?

[mark1arby]

Anusca, below is the Telephone Harassment Letter.

 

One question have you sent the Consumer Credit Agreement Request Letter Yet?

 

http://www.consumerforums.com/resources/templates-library/52-harassment/135--harassment-by-telephone-response-letter-

 

I would send it to Both.

 

Cheers, MARK

[Major Player]

Anusca, postgg and Mark right, Welcome really out of order here, deal only in writing, they have upped their efforts as they want to hit their month end target don't fear them, they are only adding to your case against them now!

[anusca]

I will send the telephone harrassment letter first thing tomorrow morning along with the CCA letter

(have had to wait till payday to get the postal order in place).

 

I will also get my husbands card cancelled, so they should get that on Friday morning.

 

At that stage, if the guy turns up again to take the car what shall I do?

 

I have contacted the police and I do have a reference number that I can use if he is harrassing

or threatening me, but am worried that he can lift the car from my driveway as I don't have a garage to lock it into.

 

I have also contacted legal aid and they are willing to act on my behalf

but have to wait for forms to come through so that they have written consent from me re discussing this matter with Welcome

[postggj]

if they take the car with out a court order and you have paid a third

 

holidays in barbados

 

unlawful recession of contract

[mark1arby]

If the guy turns up again ring the number you have for the Police and tell them you have a Case Reference Number and someone is Back Again, doing what you have Complained about.

 

Failing that 999, someone is Stalking You.

 

I am a little Confused when you say Legal Aid will Act on Your Behalf. Could you Explain Please?

 

And if they Do manage to take the car, We can look at Suing Them.

Edited February 24, 2010 by mark1arby
Spelling

[mark1arby]

post is Good at this! There you go, Illegal Recession!!!

[BEBOBEBO]

Anusca, If your worried about not having a garage cant you park the car at a friends or family members failing that the next street for a cpl of days?

[pickaname]

OMG!! I thought I had been bullied by them but this one is shocking!!!!!

 

I would try and hide the car, if possible, until you can get them to back off.

[anusca]

will try and keep the car at my parents address for a while (not working Friday Saturday and Sunday so shouldn't be a problem)

 

In terms of legal aid, I called them just to see whether or not Welcome could lift the car if it was on my drive,

and they have had a lawyer call me back and tell me that he will act on my behalf in regards

to dealing with them and their bullying attempts to collect the car etc.

 

I may not take him up on the offer, but it would be quite nice to be able to tell welcome that they will have to deal with my lawyer.

 

Also, I figure that way they will have to do everything exactly by the book as my lawyer guy will not be bullied by them.

 

As he pointed out, they are far more likely to comply with regulations once they know that a

specialist lawyer has gotten involved. I figured I had nothing to lose by calling them.

[beyondhope]

I would say dont leave your car in surrounding streets because they are sly and will check there, if they take it off your drive (or any other privtae property) without a court order they are VERY naughty Do try and stay calm about it all if you feel at all intimidated ring the police say you dont understand who this person is or why they want your car as account is in dispute as its a civil matter the police cant really do anything anyway I have tried for legal aid and they dont often take these sort of cases on I was actually most disappointed either way we can all help you fight this as they are NOT permitted to access your property without permission

 

**someone will correct me if im wrong**

[mark1arby]

Anusca, there is nothing to loose at all by using a lawyer, if as you say he is a Specialist Lawyer, and it costs you Nothing to use him. They are Very Hard to Come By!!!

[beyondhope]

sorry mark posted at same time lol

[anusca]

am very very pleased,

have just found the default letter that was handed to me by welcome in october 2009.

 

By their own admission, the total amount owed was £13242.24 and the total I had paid at that point was 3927.80.

 

However since then I have paid an extra £558 which brings my total (according to them) to £4485.80.

 

Now, by my calculations that means that as a minimum I have paid £72 over the one third limit.

 

So...... anyone like to give me a hand in drafting a letter that will tell them where to go???????

 

I would love to see the branch managers face on friday morning

when he finds that the card he has been given doesn't work and

a letter telling where to go lands on his desk five minutes later.

Especially as he was so keen to make sure I didn't lose my car

and he was doing everything he could to make sure I didn't. Bless him for being so helpful.