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just_jue

Welcome insurances, Gardx and VT

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this is looking rather good

 

its noy the statement of price ime interested in at the moment but whats on the agreement

 

just ju

 

i need to see that part of the agreement and do you have a document called statement of price

 

the point ime making is the £299 gardex needs its own box on the agreement

 

thats £299 listed on the agreement

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Right I get you, the problem I have I have complained to the FOS about this and they have found nothing wrong.

Post : which part of the agreement you want to see? The first agreement or the re-write which was done 6 weeks later when I cancelled the insurances.

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right

 

please confirm you signed the second agreement

 

can i see the second ageement

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give me an hour

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i dont think the links are working

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thats better

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how long was the gap between signing the first and second agreement

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Signed the first on 15/10 and revised on on 01/12 by then I had made two payments of the full amount.

 

JJ

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i see the amount of credit is the same between the two agreement but how many payments had you made on the first agreement

 

they dont seem to have included them

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please confirm the apr on the second agreement

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The apr is 16.93%.

They credited the two payments I made on the original agreement straight onto the new one.

This was another complaint I raised with the FOS, but the FOS said that Welcome had not done anything wrong, but my argument is the second agreement should be cheaper due to the two payments I have made.

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exactly

 

now checking the agreement

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so you have a loan of £9237 over 48 months at 16.93% apr

 

that gives

 

monthly payment £260.56

interest £3270.10

total payable £12,507.10

 

devide by 48 gives a monthly payment of £260.56

 

the apr is slightly out by 10 pence per month but

 

WOW

 

A WELCOME AGREEMENT THAT BALANCES

 

GOBSMACKED

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Yea wonder will never cease

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The Problem You Have Is You Signed A Second Agreement

 

That Will Cancel Out The First One With All The Rights And Protections

 

If You Had Not Signed This Second Agreement, The Account Would Have Been Totally Unenforceable:x

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You will also like this my latest statement:

 

Welcome have sent me out a statement and it doesn't make sense:

 

02-12-09 Disb Transfer - Debit £9536.00 - Balance £12805.90 (£299 more than on agreement)

02-12-08 Eerg Recov - Credit £299.00 - Balance £12805.90 (I might not have a maths degree but a credit of £299 the balance should go down by £299).

02-12-08 Payment from Transfer - Credit £287.92 - Balance £12517.98

02-12-08 Payment from Transfer - Credit £287.92 - Balance £12230.06

31-12-08 Payment - Credit £260.56 - Balance £11969.50

31-01-09 Payment - Credit £260.56 - Balance £11708.94

28-02-09 Payment - Credit £260.56 - Balance £11448.38

31-03-09 Payment - Credit £260.56 - Balance £11187.82

29-04-09 GARDX Refund - Credit £299 - Balance £10888.82

30-04-09 Payment - Credit £260.56 - Balance £10628.26

31-05-09 Payment - Credit £260.56 - Balance £10367.70

12-06-09 Misc Refund - Credit £299 - Balance £10068.70

30-06-09 Payment - £260.56 - Balance £9808.14

03-07-09 GARDX GWC - Debit £299 - Balance £10107.14

 

The FOS looked over this but didn't see Welcome have done nothing wrong! Even though I pointed out the Credit of £299 never changed the balance.

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Me Gthinks That £299 Is Commission

 

They Have Added It And Taken It Off

 

Debit 03/07 But You Had It On The Agreement To Begin With

 

Crafty Buggers

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I had resign the agreement as I wasn't prepared to pay their over the top insurances.

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i have a commision sheet that welcome include gardx within the cash price if it helps anyone

 

it is a template document and not related to any agreement

 

essexboy

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Hi Essexboy, still fighting the FOS and getting nowhere so any help will be appreciated.

 

JJ

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Thanks Essex

 

Ill Remember That But Just Ju Signed A New Agreement So Not Relevant Now

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Hi, I don't understand what you mean post. The agreement should of been exactly the same apart from the insurances been taken off.

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That Is What I Am Working On At The Moment

 

Stay With Me On This

 

I Dont Raise Peoples Hopes Unless Ime Sure

 

Me Thinks The Second Agreement Has Not Been Executed Properly As It Does Not Include Deposit Etc

 

I Need A Few Days On This

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