help please with welcome finance

[killaspam]

thanks dadofholly enjoy your evening

[dx100uk]

you could use the ci spreadsheet on charges yes, just use their int rate from the agreement.

as for this additional agreement

as said, that typical of welcome staff they used to make out new agreements all the time.

 

dx

[killaspam]

surley writing a new agreement without being signed is illegal and should make any new agreement void!

[dx100uk]

yep!

 

dx

[killaspam]

it makes it very hard to work out how much i owe or how much i am owed due to unfair fees and interest dadofholly says i should send an account in dispute letter but have looked through the libary and can't find a template

[dadofholly]

Here is the letter - they have failed to provide the T&C's

 

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

[killaspam]

thanx dadofholly just printed it going to send first thing in the morn

[killaspam]

right guys, posted a default letter to welcome yesterday morning, this morning had this through the post can somebody tell me what to do now please

default notice.jpg.PdfCompressor-620867.pdf

default notice letter.jpg.PdfCompressor-620868.pdf

[dx100uk]

non compliant

 

does not give an actual DATE [dd/mm/yyy] when it should be paid.

 

typical crap from them.

 

dx

[killaspam]

the letter states 14 days from the date on the letter 3/2/12

[dx100uk]

i know i can read

 

a DN must give an ACTUAL DATE in the dd/mm/yyy fornat.

 

and be 14 CLEAR days.

 

you need rto be reading up on things now

[killaspam]

thanks dx am going to read trough it now

[killaspam]

dx, am going to upload the full sheet for you to take a look at i folded the top over to hide personal details

[killaspam]

dx can you look at this mate

default full.jpg.PdfCompressor-621164.pdf

[dx100uk]

why?

 

we know its faulty as said above

 

you need to use a paint prog to remove pers info

 

its obv where you live and your name as it was in cambs

 

both attachments unapproved

 

dx

[killaspam]

hi guys i'm back after a laptop fault

 

i have recieved 2 letters from welcome

the first is a response to stop telephone calls which states after investigating the claim they find that the complaint is not justified

and since i recieved the letter i have had a telephone call from welcome.

 

the second is about a letter of default i sent to them thanks to dadofholly,

 

i got back another unreadable cca.

 

could rally do with some help now to see how we go forward hope somebody replies soon

[dadofholly]

Ok did you send the telephone harrasment template from the library here on Cag? if so re-send it and point out that it is not a complaint but an instruction to cease phoning you - if they dont stop take the steps outlined in that letter.

 

As for the agreement - have they sent any terms and conditions? if not they have still not complied and they can not take action in court - so ignore them.

[killaspam]

letter was from the cag library, and they did not send any terms and conditions!!

[killaspam]

resent the letter on tuesday this week

and low and behold had a phone call from a branch yesterday afternoon at approx 4.55pm

stating that my account is being passed to a DCA today unless i pay somthing on the account

so i payed a pound on debit card,

 

lost my rag with them a little and told the person on the phone that i know now that they are ripping me off

and intend to take this matter further

 

when they asked how they were ripping me off

i explained about the information they had sent to me (the cca) a

nd that it was NOT the document that i had signed

they asked me to send a copy of the original agreement,

but to be honest we did compare details over the phone and they were a bit confussed.

 

have been told that they are going to call back today

now i have emailed them a copy of my agreement will have to wait and see what happens.....

[dadofholly]

DONT talk to them on the phone - ever.

 

Record any calls - and dont pay them a penny - your account is lawfully in dispute as they have failed to comply with your CCA request.

Edited March 1, 2012 by dadofholly

[killaspam]

took your advice and recorded the call,

 

firstly i want to know if anybody knows a solisiter that will take the case on,

 

second they are now saying that its my fault because the contract i signed was a pre agreement but they are going to look into the matter,

it sounds like the wrong information was handed to me is what they are saying,

if thats the case there should be no contract between welcome and myself

[dadofholly]

How can it be 'your fault'?

 

you have mail.

[sillygirl1]

A pre-agreement should not tie you into anything, it sounds like they are taking the proverbial here. Stay off the phone to them and get them to put everything in writing.

[killaspam]

it gets better because they are saying they have a copy of the contract on file, however when i signed for the car the only paperwork i signed was the 3rd page of the pre-agreement the rest came throught the post.....

[dadofholly]

Well they should have sent you that copy - did you make a fromal CCA request? am sorry i can't remember.