Me & Welcome Finance

[ozzywizard]

Anusca, first off welcome to the forum you are in the right place even though some of us are a lil mad !!! . . .

 

Seems like your on top of things and know what you are doing in the sense of sticking up for yourself so this is a good start now its time to get the law on your side with a little help from us here.

 

Im probably not the best person when it comes to car reposessions but I will try to help and others can jump in and advise further.

 

1) If you have paid over a third of the car they need a court order.

2) Do not repeat do not give them the keys or they will claim voluntery termination, if they upload the car then this is called unlawfull termination were we can take them to court for possible recovery of everything you paid to welcome, keep the car and 8% interest.

3) Do you have a copy of your agreement you can post up here for us, how long you had loan and were did you sign agreement.

4) If they take car get receipt.

5) Can yu post up for us the most recent default notice, i bet it doesnt have a numerical ddate to be paid by, it will only say 14 days .

6) Does your agreement have gardx on it ?

7) Do you have your statement of pricve yet ?

8) have you requested your CCA or SAR yet ?

 

Sorry for all the questions but based on your answers depends what route to take.

 

if your bored waiting for an answer read this thread.

8)

[ozzywizard]

To find how much you have paid send them the below letter named sar, this is a request for everything they have on you from database notes to statements to agreements phone call logs, requested under the data protection act.

For your agreement send the CCA request and they got 14 working days to send your agreement or it is in dispute.

 

Subject Access Request

 

WELCOME FINANCIAL SERVICE

COMPLIANCE

RUDDINGTON FIELD BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

REMEMBER THE £10 POSTAL ORDER AND SEND RECORDED DELIEVERY

 

Never sign but print signature.

 

 

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

 

 

Data Protection Act 1998

 

 

Subject Access Request

 

 

 

 

Dear Sir/Madam

 

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you.

I require all information on details of all insurance products supplied by welcome financial services. This is to include the statement of means, statement of price, details of all insurance premium tax paid, and underwriting sheets.

If mortage indemnity insurance has been added to the agreement, i require all details on who this premium was paid to, and who underwrites this insurance.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

[signature]

 

 

[name]

 

CCA

 

 

Your Address

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77 to s.79 of the Consumer Credit Act 1974.. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

print your name (not sign) and enclose a one pound postal order, send it to head office (RECORDED DELIVERY) at :

 

Welcome financial services

Compliance Department

Ruddington fields business park

Ruddington

Nottingham

NG11 6NZ

[ozzywizard]

also, what is a subject of privce?

 

hahaha sorry this is a mistype, meant to say subject of price, it should be sent with your reply to the SAR.

[ozzywizard]

ok, so have just had phone call from them and he is saying that the collector has been told he can come back and collect the car or I can arrange to drop it off. Alternatively, if I can make a sizeable dent into my arrears then he may be able to sort something out for me. Where do I go from here?

 

Do not panic and do not be scared, if you feel threatened then call the police. Do not give the keys over ....

 

It is up to you what direction you wish to take with this, first you must send off the CCA. do you want to keep the car and make a payment arrangement that is affordable or do you want to let them take it and claim everything back ?

[ozzywizard]

Anusca, I know it is easier said than done but dont allow them to bully you, as you can only pay what you can afford, if you have paid more than a third than they do need a court order to take your car so they will not do it, if they do then it is too your advantage because you can claim the lot back plus interest, just dont hand over the keys.

 

As the account is not yet in dispute do you want to make an offer of an affordable payment plan ? if so I can help you put a letter together to do this ?

[ozzywizard]

a third of the agreed total (as set out when you took the car)

[ozzywizard]

An Official Legal Document To Terminate

 

With Out Prejudice

 

Exactly, there has been loads of these sent out over the last few weeks, crazy. ..

 

 

Anusca, under no circumstances hand the keys over..... read through the advise given on this thread a few times to familiar yourself with the position your in ad let us know ewhich direction you wish to take, I would be tempted to let them take the car if they choose to, then claim everything back. your choice. . . .

 

Send your CCA request off asap. . . .

[ozzywizard]

Sorry, That Was Supposed To Say Five Hundred And Fifty Eight Pounds. Made It Into A Smiley Face, Not Sure Why!!

 

Each one of the smileys have their own code and if youtype this code then it gives a smiley. . . . the smiley you have done has the code 8 ) so this created the smiley.

the way to stop this from happening is to look under were you type and there is a box to tick that says "disable smilies in text"

 

so in this post there will be no smilies :lol::lol: 8) 8) 8)

[ozzywizard]

Anusca, await your CCA if they do take car as long as you do not give keys over you take them to the cleaners.