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The fact I've sourced a loan from a high finance company means I've been a bad lad yes and yes I did miss some early payments. I got sick of their contact and now I pay everything which means going without some

luxuries that others deem their standard living costs like a car, smoking, socializing & having children. I'm not saying you shouldn't (not you essexboy) but at some stage we have to take responsability for our application for monies we can no longer afford to pay bag whilst still enjoying the luxuries listed above

 

I know gonna get lynched for these posts as this is a collection of dissatisfied customers but I can't be the only one that gets sick of their contact and chose to do something about it - to pay as agreed when I took out my loan (and with ppi, just in case I got ill)

 

if you have fallen on hard times, then why cant other

 

i have heard on here people who have had illnesses of now fault of their own

 

so why cannot welcome be more accommodating and not make people resign new agreements that extend their liabilities for longer

 

i suppose this is to help them

 

essexboy

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Essex boy - can you pls show my post where I have said welcome finance are great? That kind of post shows me that your not interested in a discussion, you have an axe to grind and will make stuff up to further your arguments. Trying to put my points forward in regards to over extending amd your posting rubbish like that

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great to see you were focused on the fact i said you are saying welcome are great i was mereley pointing out that welcome finance does not always act in a fair and proper manner towards thier customers. good or bad

 

i have spent many hours reading peaople's threads that have a genuine complaint and for you to dismiss people who have /could of suffered genuine hardship due to no fault of their own is disrespectful

 

as for my axe to grind, it will go through the court and please note it is not welcome initiating procedures

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Hi beyond hope

 

how long was your loan for? So they charge you (& everyone) £120 per year for texts? No matter if your in arrears or not? I'm a skeptic by default and won't believe anything that sounds outrangeous without some kind of proof (like religion)

 

If you can scan your terms & conditions stating they charge £120 per year, every year for the duration of the loan then not only will I sincerly apologise, but I will also personally write to the FSA

 

This is where you misunderstand they dont treat everyone the same so no they dont charge everyone £120 a year and surprisingly its not in their terms and condition although it does state phone calls are although no reference as to what these may be for :rolleyes: The loan was over 3 years, the situation is very different with it now but im referring to a time where it was on DD and paid every month without fail. If you feel my claims are outrageous please please have a read of the threads in this forum and just look at the amounts of charges added onto peoples accounts without their knowledge, I have in writing from them and I quote 'incorrectly applied to your account' is this a fair way to treat customers? Just like reference to forged signatures doesnt directly relate to my case these are occurances that have happened more than once and have been discussed here.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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great to see you were focused on the fact i said you are saying welcome are great i was mereley pointing out that welcome finance does not always act in a fair and proper manner towards thier customers. good or bad

 

i have spent many hours reading peaople's threads that have a genuine complaint and for you to dismiss people who have /could of suffered genuine hardship due to no fault of their own is disrespectful

 

as for my axe to grind, it will go through the court and please note it is not welcome initiating procedures

 

 

and im right there with ya in spirit ;)

mine had better be over by then :lol:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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"hi peeps" (especially "bee" and "stud muffin") sorry!!!!!!! i meant essexboy:p

 

is this a real thread,

 

cab

 

Hiya hun hope all well in the cab camp :lol:

Nah its a p*sstake turned into a discussion I think :) For once I havent hi jacked! go me! :D

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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lol where did that come from:)

 

no i think it is a debate:???:

 

I can imagine ya confused face :lol: im sat chuckling at the screen!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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lol where did that come from:) "RUMOURS":eek:

 

no i think it is a debate:???: Errrm ok :rolleyes:

 

just aint gettin the full picture, ohhh wait a minute, just got a PM, Ahhhhhh now i get it "thanx bee";-)

 

cab

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just aint gettin the full picture, ohhh wait a minute, just got a PM, Ahhhhhh now i get it "thanx bee";-)

 

cab

 

 

:lol: :lol: 8-)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Hiya hun hope all well in the cab camp :lol:

Nah its a p*sstake turned into a discussion I think :) For once I havent hi jacked! go me! :D

 

all well, i think my day is "cometh":D

 

cab

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all well, i think my day is "cometh":D

 

cab

 

woooohoooo go team claim!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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I should bail out of this whilst the going is still good. I bet I'm the only person that has ever come on here and dare air my veiws that are not the general consensus.

 

I have no agenda, I'm a customer of banks & financial institutions as you are. Guess the difference is I'm taking some form of responsibility by admitting I was at fault to allow myself to be charged high interest through my actions. My father wouldn't have done it and that's because he comes from an era of you can't have what you can't afford. If we still had that old fashioned opinion this forum prolly wouldn't exist

 

good night all. Hope I haven't offended anyone cos it's wasn't my intention

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I should bail out of this whilst the going is still good. I bet I'm the only person that has ever come on here and dare air my veiws that are not the general consensus.

 

I have no agenda, I'm a customer of banks & financial institutions as you are. Guess the difference is I'm taking some form of responsibility by admitting I was at fault to allow myself to be charged high interest through my actions. My father wouldn't have done it and that's because he comes from an era of you can't have what you can't afford. If we still had that old fashioned opinion this forum prolly wouldn't exist

 

good night all. Hope I haven't offended anyone cos it's wasn't my intention

 

You arent the first but may very well be the first without a hidden agenda :) We all know what we signed for on paper just a shame our accounts werent handled as outlined on the paper we signed! To an extent I agree but things are very different now from how they were then and infortunately we can do things with the very best of intentions and something happens and those intentions cannot be followed through no ones fault although not maintaining terms and conditions is something you can do something about and I fully intend to. The CCA 1974 was established to protect consumers from shoddy companies I intend to use it for the purpose for which it was created :) No offence taken here :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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I should bail out of this whilst the going is still good. I bet I'm the only person that has ever come on here and dare air my veiws that are not the general consensus.

 

I have no agenda, I'm a customer of banks & financial institutions as you are. Guess the difference is I'm taking some form of responsibility by admitting I was at fault to allow myself to be charged high interest through my actions. My father wouldn't have done it and that's because he comes from an era of you can't have what you can't afford. If we still had that old fashioned opinion this forum prolly wouldn't exist

 

good night all. Hope I haven't offended anyone cos it's wasn't my intention

 

good night m8

 

none taken

 

cab

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oooohhhhhhh "I REALLY REALLY HOPE SO" hoping and praying they throw the book at me, (i'm a bad boy and deserve it "honest").

 

cab

 

haha im guessing the consequences as threatened will be worth your wait ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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not at all

 

everyones view is welcome

 

and i did understand the point you were making but welcome have affected numerous people who have made extensive efforts to to resolve their issues that have cost them more in the long run

 

essexboy

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I should bail out of this whilst the going is still good. I bet I'm the only person that has ever come on here and dare air my veiws that are not the general consensus.

 

I have no agenda, I'm a customer of banks & financial institutions as you are. Guess the difference is I'm taking some form of responsibility by admitting I was at fault to allow myself to be charged high interest through my actions. My father wouldn't have done it and that's because he comes from an era of you can't have what you can't afford. If we still had that old fashioned opinion this forum prolly wouldn't exist

 

good night all. Hope I haven't offended anyone cos it's wasn't my intention

Holy cr*p! It's an old fashioned opinion for a reason-If it weren't for borrowers the entire economy would collapse!!! Why do you think the government are practically begging lenders to start lending again?? :eek:

 

I think you've had your answer many times on this thread but have refused to acknowledge it. Everybody is saying "WE DO TAKE RESPONSIBILITY BUT OBJECT TO BEING TREATED LIKE SH*T". What part of that is saying "We don't take responsibility we just want sonething for nothing unlike you, who is clearly doing something we all aren't" to you???? :confused:

 

If you want to come on a thread saying "everyone should take responsibilty for their own mistakes", then please God listen when everybody is saying; "We are"!!!!!!

Edited by wannabedebtfreesoon
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