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help please im desperate


confusedbywcf
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please bear with me as unsure where to start

i took a car loan out in 2004 all front loaded with the usual ppi, mechanical breakdown extra, that got written off in feb 2006 and left me a shortfall of £940.42 apparently i had missed a couple of payments and the gap insurance didnt cover that

in march 2006 i got another car from them the figures are as follows

 

AMOUNT FOR CREDIT £10420.00

AMOUNT OF INSURANCES £3232.75

AMOUNT CREDIT AND GOODS £13652.75

AMOUNT OF CREDIT FOR REFINANCING £940.42

 

TOTAL MOUNT OF CREDIT £14593.18

 

48 MONTHS @ £367.27

 

TOTAL MOUNT FOR GOODS £12587.52

TOTAL AMOUNT PAYABLE FOR INSURANCES £3905.28

TOATAL AMOUNT PAYABLE FOR REFINANCING £1136.16

TOTAL AMOUNT PAYABLE £17628.96

 

APR 10%

 

scan002.jpg

 

NO WHERE IS THERE ANY MENTION OF THE £100 DEPOSIT I PAID

 

THEN IN DEC 2006 I REWROTE THE AGREEMENT TO £161.02 OVER 84 MONTHS BUT IM CERTAIN I NEVER RECEIVED A COPY OF THE AGREEMENT AND I DONT REMEMBER THEM REFUNDING THE PPI

 

SO WHAT NOW HAS ANYONE GOT THE SAR LETTER I CAN MODIFY TO SEND OFF TO HEAD OFFICE SO I CAN CHECK THE STATUS OF WHECH PPI I PAID

 

THANKS FOR YOUR PATIENCE AND ANY HELP

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Back A Few Months Ago I Did But Ive Changed Laptops Since Then And Lost The Letter (stupid I Know) Anyway Never Received A Reply From Them And What With Loads Going On I Never Chased It Up So Need To Send It Again, Can You Please Put A Link Up So I Can Use The Special Letter And Modify It To My Own Means

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WELCOME FINANCIAL SERVICE

COMPLIANCE

RUDDINGTON FIELD BUSINESS PARK

RUDDINGTON

NOTTINGHAM

NG11 6NZ

 

REMEMBER THE £10 POSTAL ORDER AND SEND RECORDED DELIEVERY

 

GOOD HUNTING

 

 

[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 datalink3.gif 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 yearslink3.gif 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 interestlink3.gif 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,

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check that your local office is still open i believe Welcome are being wound up and are only operating from Nottingham now after accrueing debts of in excess of £2billion!

 

UNFORTUNATELY THE GILLINGHAM OFFICE IS A COLLECTION OFFICE AND AS OF THIS MORNING IS STGILL OPEN, I KNOW THIS AS I CALLED TO MAKE MY PAYMENT TODAY

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send to notingham by recorded delivery

 

ill check out the agreement posted up but the new agreement you signed will be the one that now counts

 

give me half an hour

 

 

THANKS FOR THAT, WHEN I ASKED THE LOCAL OFFICE FOR A COPY OF MY NEW AGREEMENT THEY SAID IT HAD BEEN MISLAID AND COULDNT FIND IT?, I REPLIED IT MUST BE ON PC BUT APPARENTLY ONLY THE BASIC INFO IE PAYMENTS AND BALANCE ARE THERE

 

DOES THIS MAKE SENSE TO ANYONE?

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Yes your making sense :p

 

My slightly devious mind has just thought of something IF the New credit agreement has been mislaid then how can they proove that you owe them money?

DOESNT IT FOLLOW THAT IF IM MAKING REGUKLAR PAYMENTS THEN THEY COULD ARGUE THAT I DO OWE THE MONEY ELSE WHY WOULD I BE PAYING

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ill break down this agreement in parts

 

CREDIT FOR GOODS

£10,420 OVER 48 MONTHS WITH AN APR OF 10%, THAT WORKS OUT AT

 

MONTHLY PAYMENT £262.13

INTEREST £2,162.07

TOTAL PAYABLE £12,582.07

 

NOW INSURANCE

 

PPI £2382.75

MECHANICAL BREAKDOWN £500

SHORTFALL EXTRA (GAP) £350 TOTAL INSURANCE £3232.75

 

that works out at 10 % over 48 months at

 

MONTHLY PAYMENT £81.32

INTEREST £670.77

TOTAL PAYABLE £3903.52

 

NOW ILL ADD ALL THE EXTRAS

 

REFINANCE FEE £195.74

 

I NOW HAVE ALL THE FIGURES

 

INTEREST ON GOODS £2,162.07

INTEREST ON INSURANCE £670.77 TOTAL £2832.84

 

NOW ADD INSURANCE TOTAL £3232.75

COST OF CAR £10,420

 

TOTAL £16,485.59

NOW ADD REFINANCE FEE OF £195.74

 

 

 

TOTAL REPAYABLE £16,681.33

 

OVER 48 MONTHS GIVES A MONTHLY REPAYMENT OF £347.52

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post....the difference you found on the insrances does that actually mean anything ? after all its on the original agreement which has been rewritten

i know im being dumb( yes i am blonde!!!) but is there anything i can actualy do now?

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ill break down this agreement in parts

 

CREDIT FOR GOODS

£10,420 OVER 48 MONTHS WITH AN APR OF 10%, THAT WORKS OUT AT

 

MONTHLY PAYMENT £262.13

INTEREST £2,162.07

TOTAL PAYABLE £12,582.07

 

NOW INSURANCE

 

PPI £2382.75

MECHANICAL BREAKDOWN £500

SHORTFALL EXTRA (GAP) £350 TOTAL INSURANCE £3232.75

 

that works out at 10 % over 48 months at

 

MONTHLY PAYMENT £81.32

INTEREST £670.77

TOTAL PAYABLE £3903.52

 

NOW ILL ADD ALL THE EXTRAS

 

REFINANCE FEE £195.74

 

I NOW HAVE ALL THE FIGURES

 

INTEREST ON GOODS £2,162.07

INTEREST ON INSURANCE £670.77 TOTAL £2832.84

 

NOW ADD INSURANCE TOTAL £3232.75

COST OF CAR £10,420

 

TOTAL £16,485.59

NOW ADD REFINANCE FEE OF £195.74

 

 

 

TOTAL REPAYABLE £16,681.33

 

OVER 48 MONTHS GIVES A MONTHLY REPAYMENT OF £347.52

sorry i think you've missed out the £940.42 left from old agreement unless im thick (which is entirely possible)

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Thanks

 

I Missed That

 

Ill Do The Figures Again But

 

ime Now Confused

 

They Are Saying That Was What Was Left Over From The Previouse Agreement

 

The Agreement Posted Is The Second Agreement I Take It Then

and On This Second Agreement You Purchessed A Car

 

Please Confirm

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Thanks

 

I Missed That

 

Ill Do The Figures Again But

 

ime Now Confused

 

They Are Saying That Was What Was Left Over From The Previouse Agreement

 

The Agreement Posted Is The Second Agreement I Take It Then

and On This Second Agreement You Purchessed A Car

 

Please Confirm

 

no this is the original agreement for the car the amount left for refinancing was for the car from 2004 finance ( a mondeo) this agreement was for a vectra

 

to put it in simple terms ive had 3 accounts

 

2004 a mondeo

2006 march vectra this one we are talking about

dec 2006 rewrite of vectra agreement

 

hope this clears things up

 

i know im confusing its my speciality!!!!!

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