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How long did you pay on the car, and was it a loan or hp


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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It was an HP agreement and we paid about 2 years.

 

 

They are bombarding us with phone calls now.

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angel

 

not being rude, bit i think this is thread number three you have started on this subject

you are getting advice, me included

it does not help as things will get very confused

please stick to one thread

 

purhaps a mod can merge all these threads

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Threads merged....tx Postggj


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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Does'nt the limitations act only apply to debts over 6 years old?

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top left of the page you will see a link in blue saying the consumer forums

click on the link

scroll down till you see the link general consumer issues

click on the link

scroll down to the bottom to the heading new thread

click and there you have it

 

take your time on your first post

explain everything in detail

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We have a battle going with welcome finance at the moment.

 

 

But who do I complain to over the fact that they telephoned one of our friends

( I dont know how they got the number)

 

 

and asked him for our mobile telephone numbers.

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hi there,

i'm not 100% sure, but i think it's the OFT, Information Commissioners Office, and Trading Standards .

have you sent them a harrassment letter?

i'm in more or less the same situation as you, but they have written to someone else's address, and given my details out to them, but someone who know's a lot more about it will come along and point you in the right direction! they are so helpfull and friendly!!

good luck!!

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We have received a letter from Lewis Debt Recovery over a welcome finance loan now this is the situation.

 

1) Back in January we wrote to welcome and asked them to take the car back and they completely ignored our request and we still have the car.

 

2) We have not heard a single word from welcome since November 2007 and we have not made any payments since then.

 

3) Lewsi say in their letter:

Our client has made various attempts to contact you and you have chosen to ignore them.

 

 

This is not true the last contact we had was like I said November 2007.

 

Where exactly do we stand?

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is it a loan or HP, either way send lewis debt muppets a CCA Request to get the agreement, if they have it


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Lewis is part of the same group of companies as Welcome Finance (Cattles). They'll be talking rubbish

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is it a loan or HP

And what percentage have you paid back?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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We have received a notice of default sums from welcome finance which says:

 

Telephone calls outgoing £10.00 it then asks us to phone a number to pay it.

 

 

Welcome have not phoned us for over a year because trading standards told them to stop as their calls were viewed as harrasment.

 

 

So should we just ignore this notice.

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We have received a notice of default sums from welcome finance which says:

 

Telephone calls outgoing £10.00 it then asks us to phone a number to pay it. Welcome have not phoned us for over a year because trading standards told them to stop as their calls were viewed as harrasment. So should we just ignore this notice.

 

Sounds strange, are you able to scan the letter and post it here?

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We have received a notice of default sums from welcome finance which says:

 

Telephone calls outgoing £10.00 it then asks us to phone a number to pay it. Welcome have not phoned us for over a year because trading standards told them to stop as their calls were viewed as harrasment. So should we just ignore this notice.

 

 

Dear Sirs

 

Even though your operatives may be of limited intelligence and be incapable of understanding the warning you have already been given by Trading Standards with regards to your company telephoning me, they still persist.

 

I have just received a notice of default from you cretinous turds where you have the audacity to include a charge for £10 for the privilege of receiving another totally unwarranted, unsolicited and unwanted call. Obviously I have no intention of paying it, I will however be making a further complaint to the relevant authorities.

 

I now however insist that you remove my private telephone number from your database and any future contact you may wish to have with me must be in writing.

 

Yours sincerely,

 

edit to suit.;)


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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send it back and state telephone calls outgoing £25 please call this number "insert number of local escort agency" to pay:D


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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We have received a notice of default sums from welcome finance which says:

 

 

 

 

Dear Sirs

 

Even though your operatives may be of limited intelligence and be incapable of understanding the warning you have already been given by Trading Standards with regards to your company telephoning me, they still persist.

 

I have just received a notice of default from you cretinous turds where you have the audacity to include a charge for £10 for the privilege of receiving another totally unwarranted, unsolicited and unwanted call. Obviously I have no intention of paying it, I will however be making a further complaint to the relevant authorities.

 

I now however insist that you remove my private telephone number from your database and any future contact you may wish to have with me must be in writing.

 

Yours sincerely,

 

edit to suit.;)

 

You might wish to add: "Please confirm in writing, within ten days of the date of this letter, that you have done so." See if they try and charge you for it.

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We received a letter from welcome finance this morning which says this:

 

Notice of default sums.

 

13/02/09 Telephone call outgoing £10.00

20/02/09 Telephone call outgoing £10.00

23/02/09 Telephone call outgoing £10.00

 

 

Now we have only spoke to them once and

that was when one of them phoned on a mobile

the other times we have ignored their calls

which got so frequent that we reported them for telephone harassment.

 

 

And at no time have we been on the phone to them long enough to run up phone calls worth £10.00.

 

Should I write and tell them where to go.

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Hi I am no expert on this but as far as I know this charge is the same as any other charge they would have to prove that the charge was the actual cost to them to make the call.

 

dpick


cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Should I write and tell them where to go.

 

Yes & remind them that you have already withdrawn your permission for them to 'phone.

 

I'd be tempted to tell them that they will be billed £20 for each unsolicited call received from them, and include an invoice for £60 :rolleyes:


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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If welcome go bust where does that leave us with our car loan?

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The accounts will be sold by the adminstrators.


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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You could easliy find yourself with a demand for repayment.


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You could easliy find yourself with a demand for repayment.

 

but I would assume that if you are up to date they cant demand the full amount because you have kept up the repayments or will they simple try and force everybody to settle? could be interesting


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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18 months ago my husband lost his job

 

 

we wrote to welcome finance and asked them to collect the car.

 

 

They acknowledged our letter but have done nothing

they have not even chased us for payment.

 

 

This morning a man turned up on the doorstep and said he had come to get the car as we had asked for it to be collected urgently.

 

Well we told him that as welcome have taken 18 months we were not handing it over and if they want it back they can now take it to court.

 

Does anybody think that we have done the right thing?

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