Welcome Finance VT-MY RIGHTS!!!!!!!

[mummsiee]

Lets make this as short as we possabily can! From what i've read on here about welcome thats not going to be easy. I have a hp agreement with them for a car and decided to VT it due to personal circumstance. After alot of research i finally sent the letter which i printed off from national debtline and sent recorded delivery. (that was on the 6/10/10) Well as you can guess nothing back, not untill they tried to take this months instulment on the 27/10/10 and realised i'd cancelled my direct debit. (garenteed response every time) It seams to me they want to do everything over the phone which i'm not happy about, even more because they are saying i havent paid the 50% of the agreement as to which i think i have and want me to pay another seven hundread and some thing pounds!!! Would some one please confirm that what i'm thinking is they are trying to screw me by not putting anything in writing????????????? Thanks for any help i receive

[postggj]

As a rule, welcome would have 14 days to acknowledge your request and send a settlement figure

 

tell me you sent your original request about the vt by recorded delivery

[mummsiee]

Yes posted vt by recorded delivery on the 6/10/10 wich they recieved on the 7/10/10 as i checked with the post office when i didnt hear anything. The first i heard anything from them was on the 27/10/10 when they tried calling me but i was at work and didnt answere my phone. The same on the 28/10/10 so they then sent some one round to my house!! Was told to call some woman from office in Milton Keynes whom i spoke to on 29/10/10 and she tried telling me my 50% figure is different to what my contract says but i was out and didnt have papper work on me, so i suppose next step is to call back on monday as i said i would and say that i want all corraspondence in writing?? It took 3 weeks for any one to contact me and i think if i haddnt cancelled my DD i still wouldnt have heard anything!!!!!!!!!

[dx100uk]

bet its PPI or machanical breakdown or GAP insurance they are trying to fleece you on which affects the 50% level

 

scan and post up your agreement

 

also watchout for letter/phone/GAP/my cat died charges they have levied too, they will take those off the paid 'sum total' you have made to date.

 

get reclaiming!!

 

dx

[mummsiee]

Yes your right i took gap and mechanical insurance but not ppi gave up with that crap years ago!! Will post up my agreement but gotta give a couple days (work) Did do a couple a sums and i think wot they asking for would add up roughly to what i would owe on the insurance. Also they have already said the going to charge me for cancelling my dd, well as far as i'm concerened they can kiss my **** for that and i told her that!!!!!!!!!!

[postggj]

check the statement of price document or policy docs on the insurance crap

 

if the cover is for three years and the agreement over 5

 

then thats misselling and claim it back

[mummsiee]

This is the copy of my agreement as you will notice breakdown cover s paid for over 48 months but it only lasts for 36 months!!!!!!!!

img1.pdf

[mummsiee]

Update on what happening!!! Finally received letter from welcome stating what i have paid and yes my calculations on the 50% for the VT was correct But as you said they want the money for the GAP and BREAKDOWN including the 4 years interest, now arnt they ment to offer a reduced rate on that or at least cancel the interest!!!!

Anyway have decided to make complaint on being miss sold BREAKDOWN but do i need to pay that first? i was inclined to say b****cks to them its not like my credit rating can get any worse. Also they sent letter to state that they charging me £12.50 for returned DD, now whats the catch with that, they had 3 weeks notice:!: Thanks in advance for any help

[dx100uk]

pers i'd reclaim the charges and the insurance

you'll get money back i bet

 

dx

[postggj]

Vt the car first and then go for the insurance crap refund for misselling

 

but get the car done first of they will still want there pound of flesh each month

[postggj]

Dont take no crap

 

do a formal demand for the vt and send recorded delivery

[mummsiee]

Formal VT already done they have stated that they will be picking car up within 2weeks so as soon as that gone i will put in complaint for BREAKDOWN, then its a case of waiting to see what other charges they going to add to my account as i am sure they will find something wrong with the car and will try to charge me for some sort of repair!!!!!! Also would any one be able to explain to me how they work out the APR......

[mummsiee]

Ok guys car is being picked up on thursday coming, now once it gone do i phone or write to put in complaint???????

[postggj]

start the formal process of reclaming all that insurance crap

 

welcome will then end up owinngou money