help please with welcome finance

[killaspam]

i did but have not recieved anything yet

[dadofholly]

i did but have not recieved anything yet

 

Well then the agreement is legally in dispute and they cannot enforce the agreement in Court. The fact that they have still not sent you this indicates that they are in some difficulty here.

[killaspam]

dadofholly you have mail

[killaspam]

Hey guys not been here for a while due to wifes health and looking after her full time,

 

still having loads of probs with welcome

they keep ringing asking me to pay a pound over the phone to stop the debt going to a dca,

gettin proper ****ed with it

 

they now saying that they never sent me a pre agreement even though i did post it on here and sent them a copy

[sillygirl1]

Tell them if you had a £1 every time they called the debt would be repaid.

[dadofholly]

Dont answer their security questions and put the phone down.

[killaspam]

well the soliciter will not take on the case

and even if they did i dont have £300 to give them

think the next time they ring i am just going to give up and agree a payment scheme just to get them off my back,

 

what with welcome finance and my wife extremely ill its getting a bit to much now

[dx100uk]

no

 

you need to get those claims in.

 

they owe you £100's

 

if not £1000's

 

do you need some help with gettting these spreadies done?

 

dx

[dx100uk]

i have merged all the documents here for ease of use:

[dadofholly]

well the soliciter will not take on the case

and even if they did i dont have £300 to give them

think the next time they ring i am just going to give up and agree a payment scheme just to get them off my back,

 

what with welcome finance and my wife extremely ill its getting a bit to much now

 

Hold on a minute - have they or have they not complied with your CCA request?

 

If not pay them nothing - You are legaly in dispute and they can not enforce this action in court. Complain to the OFT about this.

 

What did the Solicitor say to you? - and why was you going to a solicitors? - i.e. what was you asking them to do.

 

Do as DX advises and get a claim in.

 

Don't just roll over and give in - that is what they want you do. Don't worry about them getting on your back - they are harrassing you because they think you will give in - just ignore them. Don't answer their letters or phone calls - there is nothing they can do.

[killaspam]

thanks dx do i print them all off and send them to welcome?

 

i will tell you whats happened,

 

a couple of weeks ago i recieved a call from a branch of welcome and the person i spoke to agreed with that the interest rate was wrong

and after paying a pound to keep the account from going to a dca

the person said they would send all the info to head office to ask them to review it.

 

i recieved a rather nasty letter from head office this week saying that i was wrong to have raised these concerns

and that the oridginal documents and intrest rates will still stand (i have not typed this out word for word)

[killaspam]

dadofholly

i rang a brief because the figures didn't make sence to me and posted everything to them

they rang me constantly telling me they were either going to get the outstanding debt squashed but i needed to pay them £300 up front which i dont have.

 

never received anything from the cca request.

 

sorry guys but am now so fed up with it all its making me ill i am even unplugging the phone now cos they aint got my mobile number

[dx100uk]

well stay off the phone then

 

you are under NO legal obligation to discuss ANYTHING on the phone.

 

can i be frank here..

 

you are being taken for a fool, they are spoofing you blind.

 

esp this £1 thing about the DCA involvement.

 

DCA's have NO LEGAL POWER

 

they ARE NOT bailiffs.

 

they can do NOTHING to you.

 

as for the reclaiming

 

il'll see if i can tickle someone to get onboard

who will sort this in a very short time.

then all you do is fire the papers off

 

and you'll be quids in.

 

let me go pull a string.

 

dx

[postggj]

welcomes own arrogance was their own undoing

 

dx100uk has pointed out the default notice is not compliant with the default and termination regulations and can be ignored

 

a court cannot now say the issue with the default notice is de minimus due to the brandon v american express case

[ims21]

Hi killa

 

Dropping in as requested by dx.

 

I'm going to review the thread and do some work on the maths for you although I won't be able to get a decent look until tomorrow afternoon.

 

I'll post up tomorrow when I've done some work on it for you.

 

ims

[postggj]

do you still have the policy documents for the ppi, mechanical breakdown, and shortfall (GAP INSURANCE)

[killaspam]

thanks ims21

[chuffter]

Mate Keep on them, Welcome and a shower and they know they are soon to be no more, do what the guys say they know what they are talking about.

 

I feel your frustration I'm having very similar issues but not to your exreame

[killaspam]

Mate Keep on them, Welcome and a shower and they know they are soon to be no more, do what the guys say they know what they are talking about.

 

I feel your frustration I'm having very similar issues but not to your exreame

 

am trying and thanks

[ims21]

Hi

 

OK am working through this.

 

First thing is with regard to the PPI part.

 

The PPI premium was £1,136.92. The interest on the PPI part of the loan was £887.26 so the absolute maximum the PPI could have cost you had the finance run normally was £2024.18.

 

The PPI policy has paid 12 instalments of £213.59 for you which makes a total pay out of £2563.08.

 

So what they have paid out under the policy exceeds what you would have paid for the policy and the interest on it. As a result I don't see there is any benefit in claiming back the PPI in this case.

 

Going to have a look at the unlawful charges now.

[ims21]

Ok the charges you suffered are as follows

 

Unpaid DD/Cheque Fess of £25 on

 

27/3/09

30/12/09

5/1/10

 

Unpaid DD/Cheque fees of £12 on

 

7/4/10

6/5/10

8/6/10

6/12/11

 

Telephone call of £10

 

20/4/09

 

 

Enter those detail into the spreadsheet dx linked you to in post #77 giving the date, the description and the amount. The interest rate box should be changed to 20% which is the rate they were charging you on the account.

 

The spreadsheet should give you a result of £209.12 which you can deduct from the balance owing.

 

I think the guys have already been through the details of an invalid CCA and default notice so it seems at the moment that Welcome would not be able to bring a successful court action at this time.

[killaspam]

ok thanks ims for all the work you have done not to sound disgusting but will input the data later tonight have to chage the wifes dressings and give her meds