Welcome Finance Default Notice

[grantyblade]

I shouldn't be worried that they would come and repossess yet should I? they haven't mentioned it yet? Car is just in residential parking area in a bay marked for my car. I have private plate on car, guess I should get that removed ASAP!? If they did repossess with my plate on it, could I claim theft? What if they took it with any of my possessions within it? Guess I may need to start a new thread? What about when I give them car back and the number plate will be different from their paperwork!!

[wannabedebtfreesoon]

Wannabedebtfreesoon: the car is parked on the road, we do not have a garage or drive

That is a shame. As you have paid less than a third they can repossess it off the road without a court order. Unfortunately Welcome are on a repossession spree at the moment and will stoop to any lengths to take peoples' cars irrespective of the legalities.

The good news is that if they do terminate and repossess you will only be liable for the arrears on your defective default notice if they take you to court for the remainder of the balance.

Personally, if I were you I would make preparations for when they take your car, alternatively you may want to come to a payment arrangement with them if you want to keep your car.

 

They have a nasty habit of not playing by the rules,

All the best of luck to you, I know how terrible it feels.

[wannabedebtfreesoon]

I shouldn't be worried that they would come and repossess yet should I? they haven't mentioned it yet? Car is just in residential parking area in a bay marked for my car. I have private plate on car, guess I should get that removed ASAP!? If they did repossess with my plate on it, could I claim theft? What if they took it with any of my possessions within it? Guess I may need to start a new thread? What about when I give them car back and the number plate will be different from their paperwork!!

 

When it comes to Welcome ALWAYS be worried they will come!!!

[laverda1147]

Grantyblade: No I haven't received a TN

[laverda1147]

Grantyblade: I am also looking into unlawful charges they have placed on my account (telephone calls etc) I already know these to be unlawful but need to find info about how I go about claiming them back from this incompetetant company.

[laverda1147]

Well I have checked and rechecked, welcome has not sent a credit agreement for the re write of the original agreement. The new agreement was signed on 2008 and I only have the original agreement which was signed in 2006.

I'm pretty sure they should have sent a copy of the agreement for 2008, so what should I do now?

Edited March 16, 2010 by laverda1147

[laverda1147]

And having rechecked I have a brokerage payment paid to themselves which is clearly for someone elses car:rolleyes:

Edited March 15, 2010 by laverda1147
spelling

[laverda1147]

Any help appreciated, should i have a copy of the agreement which was signed in January 2008 as wqell as the one signed in 2008?

[laverda1147]

hi guest

[BEBOBEBO]

Bump!

[beyondhope]

Any help appreciated, should i have a copy of the agreement which was signed in January 2008 as wqell as the one signed in 2008?

sar should provide ALL agreements!

[grantyblade]

Laverda,

 

Since your (invalid) DN have you made any further payments or planning to do so? or have you been in contact to discuss paying? Are you trying to keep the car? I'm not wanting to keep mine (have paid over half), I'm trying to prove that their DN and then there TN are invalid therefore my VT to them should be valid and should be acted upon and am aware that I would have to pay arrears. They wouldn't/couldn't repo car unless they issued TN to you.

 

I'm really interested to about how to claim back many many letter and telephone charges added to my account, how do we go about doing it? Can we? Especially the telephone ones as welcome always asked me if i'd like them to phone me a day or two before paymwent was due to remind me to pay. these were supposedly 'courtesy calls' but i've been charged each time!

[laverda1147]

Beyondhope: It doesn't so should I write telling them this and are there any templates for this?

[laverda1147]

Grantyblade: The charges are unlawful and can be claimed. There is no way it costs them £5 for a phonecall etc and so these charges are disproportionate. I have been researching this and found a few template letters. I have adapted one I found and will copy it into my next post.

Apparently we can also charge interest on the charges at a rate of 8% from the date the charge was applied to the account.

[laverda1147]

(Your Address)

(Date)

Welcome Financial services

Compliance department

Ruddington Fields Business park

Ruddington

Nottingham

NG11 6NZ

 

 

Taken down. (if you want to see it PM me, too many "guests")

Edited March 25, 2010 by laverda1147

[beyondhope]

Beyondhope: It doesn't so should I write telling them this and are there any templates for this?

 

Im unsure how non compliance would work due to account in dispute not really counting for anything anymore. Id be inclined to just write them a letter requesting any docs you feel are missing but state including but not limited to so they can provide everything they havent given already.

[grantyblade]

laverda,

 

fantastic letter, thank you. Anyone had any success with welcome and charges? I've just realised on my statements that they've charged me for apying by cheque certain months. £1.67 charge! I was never told it would cost me to pay by cheque. Do I add interest to these charges too? At 8%?

[beyondhope]

laverda,

 

fantastic letter, thank you. Anyone had any success with welcome and charges? I've just realised on my statements that they've charged me for apying by cheque certain months. £1.67 charge! I was never told it would cost me to pay by cheque. Do I add interest to these charges too? At 8%?

 

 

Ive had all charges refunded on both accounts just by adding it into my normal moaning letters lol no 8% added though but thats because it wasnt an official request so to speak it was you have added charges what are you going to do about it

[laverda1147]

I'm betting they just refund to the account

Edited March 18, 2010 by laverda1147

[grantyblade]

Brilliant - in terms of the charges should I wait and hope the account is properly terminated so therefore the refund would come off my arrears? Or if I do it know will they just take them off the full balance which I won't be paying anyway!!!!!!

[laverda1147]

Grantyblade: If they don't respond within the time limit, then its small claims court and N1

[laverda1147]

Hopefully, if I'm wrong someone will tell us but I have researched this pretty thoroughly

[laverda1147]

Im unsure how non compliance would work due to account in dispute not really counting for anything anymore. Id be inclined to just write them a letter requesting any docs you feel are missing but state including but not limited to so they can provide everything they havent given already.

 

Would this edited edition a CAG template be ok? (see next post)

 

[

[laverda1147]

 

Typically it wont post it

Edited March 18, 2010 by laverda1147

[beyondhope]

I'm betting they just refund to the account

 

Mine were! All telephone, letter and home call charges were refunded to the accounts but i didnt properly request them asking for 8% etc so i cant moan about it really lol