cityredgirl v Welcome Finance

[dx100uk]

well atleat its only £50.

 

now we need to review the whole thread.

 

in some of your first images you've left names and the account number.

 

get them blanked out.

 

you have also been charged intererest as listed claim that back

you've been charged ad-hoc fees and other 'fees' claim those back.

 

pers if it were me

i'd do those on a spreadsheet

and the ppi again on a spread sheet.

 

post it off and cancel your DD

stating you have paid more than your initial amount.

 

you really need to get postggj on this.

 

dx

[cityredgirl]

Ok DX thank you i will try and get on to this, Im very rubbish at spreadsheets and figures etc, So any guidance is very much apreciated! Thank you x

[postggj]

cityredgirl

 

have you posted up your agreement yet for me to give it the once over

[dx100uk]

post 53 post!

http://www.consumeractiongroup.co.uk/forum/welcome-finance/250335-cityredgirl-welcome-finance.html

its pants!

 

look at the payment statements too!

 

dx

[postggj]

ok then

 

how do you want to play this

 

dx it correct

 

that agreement is total pants and totally unenforceable on all counts

[cityredgirl]

Hiya guys im at work until tomorrow afternoon, i will have to try and get the agreements(Minus my personal details ;/) scanned at weekend at the in laws. Im so grateful for the advice and help and its sounds daft but i have got Dyscalculia(Number dyslexia) and have always struggled with understanding math and figures Hence why i keep asking for advice.

[cityredgirl]

ok then

 

how do you want to play this

 

dx it correct

 

that agreement is total pants and totally unenforceable on all counts

 

So looking at it do you think welcome will see that they have screwed up and thats why its taking so long to reply to my complaint. I knew the numbers didnt add up but i was so bamboozled by it all i just didnt know how to make sense of it.

[postggj]

ill do a report for you as to why the agreement is total pants over the next few days

 

welcome know these early agreements are crap and playing on your inexperience

 

i can end welcome for you on this

[cityredgirl]

These have all been edited removing account numbers etc.

Edited July 12, 2010 by cityredgirl
private information was on forms

[cityredgirl]

ill do a report for you as to why the agreement is total pants over the next few days

 

welcome know these early agreements are crap and playing on your inexperience

 

i can end welcome for you on this

 

 

Thank you so much this means a lot to have such great support. x

[dx100uk]

sorry had to go out to a shout.

now thats better,

i must admit i should have spotted the pants agreement earlier and called in the troops , you've been on here months i'd never bothered looking.

 

 

you're in good hands now

 

just sit tight and wait a few days, post is alays very busy.

 

i'd cancel the DD and it might be an idea to alert your bank to not pay them if they try and be crafty and draw it direct via your card details if they have then too.

 

dx

[cityredgirl]

sorry had to go out to a shout.

now thats better,

i must admit i should have spotted the pants agreement earlier and called in the troops , you've been on here months i'd never bothered looking.

 

 

you're in good hands now

 

just sit tight and wait a few days, post is alays very busy.

 

i'd cancel the DD and it might be an idea to alert your bank to not pay them if they try and be crafty and draw it direct via your card details if they have then too.

 

dx

 

Hi Dx ,many thanks for the advice, I have cancelled the DD and will inform my bank that they may try and take it from my card, (Can they legally do this?) Also should i inform Welcome in writing that i have cancelled my DD, until they resolve my dispute/complaint many thanks.

CRG

[dx100uk]

i'd leave that to GG to decide

i would think the broadside coming their way will explain it to them.

 

the agreement is nothing but a licence to fleece you and always has been.there's nowt they can do to you now

barring you getting everything back i would think.

 

watsh this space

 

dx

[cityredgirl]

HI Dx have you had chance to summarise the agreement? Thank you, I have also sent a letter informing Welcome of my DD Cancellation due to their consistent poor communication and failure to respond to my complaint etc. Whats the chances i will recieve a warning letter on the 16th after my DD bounces back to the smug gits! By cancelling the DD am i getting myself in murky stuff or will welcome just want to get rid of me and pay up what they owe me?.

Also on my agreement copy (Its not the original,) My signature was not witnessed by anybody and in the terms it say's "Customer signature has been witnessed, and signed at welcome offices" etc. Thank you

[dx100uk]

ping post ggj

 

dx

[cityredgirl]

Hi post ggj Have you had chance to have a look at my agreement et al, Many thanks your a star as is dx! :)x

[cityredgirl]

ill do a report for you as to why the agreement is total pants over the next few days

 

welcome know these early agreements are crap and playing on your inexperience

 

i can end welcome for you on this

 

Thank you x Im looking forward to some interesting reading,

[cityredgirl]

bump

[cityredgirl]

well, well, well UPDATE!!!

 

Recieved a phone call from the number 08454564877 10:26am

 

I answer "hello is this Miss.... Its Matthew here from Welcome Finance, Why have you not paid your monthly payment?" excuse me Matthew you are not to contact me by phone i request all corospondance in writing".. He continues well you should now that your direct debit has bounced and we have added a charge for this and more charges will be going on your account for as long as you dont make a payment and you will be charged for this phone call, your current balance stands at £1,116. So i hope you have put money aside for this, I said excuse me but i have it in writing that you are not to contact me and i have INFORMED welcome of my cancelled DD and Dispute in writing.He said i should of contacted them by telephone before cancelling He said that my monthly repayment is £146.69 and i have only been paying £50 pmnth, i was getting pretty angry at this point and informed him that this payment has been a longterm agreement. He was getting very sarcastic and told me that i better have a solicitor because once my ppi complaint has been resolved i will be back on the phone in a month crying because i cant pay and that he hope's i havent spent my money already and been putting money aside. He said that my ppi complaint is nothing to do with the payment team . At which point i said send it in writing and slammed the phone down!

 

Where do i go from here? Why after atleast £250 being paid is my balance still higher than when i opened my dispute. What happens now Im so annoyed, no actually im livid :/

[dx100uk]

no you stayed on the phone and listened to the drivel

 

ignore them

 

all those 'charges' can be reclaimed too

so no sweat.

 

dx

[cityredgirl]

no you stayed on the phone and listened to the drivel

 

ignore them

 

all those 'charges' can be reclaimed too

so no sweat.

 

dx

 

Dx, I know what you mean,(And i was woken up by the phone call!) The bleeding cheek though but oubviously i cant help having a wobble about it, i Just dont want to be in a worse position than i was, but as always im grateful for your assistance. I cant believe how long this has been dragged out and they continue to fail to respond to my complaint. Thank you shall i pop off another complaint at the weekend? x

[LindaBenno]

They should no longer be charging for phone calls any more this was confirmed by compliance on friday. Not one person in welcome seems to know what they are actually doing they can not anwser any question i seem to be asking and every different department u seem to get past to have a different figure for what i owe them.

[dx100uk]

ignore them!

 

dx

[cityredgirl]

I was discussing this with my fiance this morning and they have a real issue or should i say worry that im punching into thin air and that i could be in a worse position financially, if i don't have a strong enough case,to win my complaint i have assured her that im in good trusting company on here.I know that they have robbed me blind for the last 5 years and any decent judge will tell welcome they have had enough from me and more. On the other hand Can somebody please help me look at my agreement and summarise the why's and errors on my account so i can strenghthen my case or at least give myself some cold hard comfort. Thank you x

[dx100uk]

post will be around over this w/end

 

or ping him.

 

you've nowt to worry about, the agreement is pants

so are the charges.

sit tight

 

dx