2 different agreements with welcome finance

[Micana]

Hello everybody.I just need some advice please.

 

I took a car loan in 2006, signed the agreement with welcome Finance.

 

The amount of credit was £7950 over 48 months total amount repayable 15081.12 (40,2% apr).

 

My first payment was made on november 2006,

monthly payment was £305.45 which i I kept paying until may 2008.

 

After a phone conversation with welcome finance it was agrred to reduce my monthly payments to 127.84 a month.

 

I thought I was paying for the same agreement.

 

But recently i found out that I signed another contract for £127.84 a month (i cant remember signing it) which extended my payments for another 10 years.

 

Now i Want to make a request for SAR.

 

Do I need to do it separetly for each agreement and send payments in total of £20 pounds?

P.S

I do have my first agreement with them.

But I don't have the second agreement.

Thank you

[just_jue]

Hi, no put both agreements on your SAR request, it should be £10 for all the information they have on you.

 

Did you sign the second agreement?

 

If not I am sure that DX will love this.

 

JJ

[dx100uk]

yes if you read a few of the threads here

you'll see this was a widespread practice by welcome staff.

 

get the SAR off

include a line.

this is to include copies of all/any agreements i have had with your company.

 

quite honestly i'd recommend you stop paying

but thats your choice.

 

dx

[Micana]

thanks for responding. i did stop paying welcome finance. The sent me default notice and threatening to take a car. I didn't sign second agreement ( I don't have second agreement copy) that's why I need SAR. THANK YOU AGAIN I WILL SEND SAR REQUEST AND ENCLOSE 10 pounds postal order.

[Micana]

Hello. I received my SAR from Welcome. I've found a second agreement with them for 120 months (I thought it was for 36 months) but signature doesn't look like mine and the date 30/05/2008 is wrong. I've got a prove that on 30/05/2008 I was in Thailand (customs samp in my passport). Is my second agrrement a fraud and what to do now?

Thanks

[dadofholly]

can you give us a bit of history - why are you contacting welcome - is it for a ppi claim or disputed debt - or other reason?

 

Can i ask why you sent them the SAR?

 

Did you ever have a second loan from them?

[Micana]

In 2006 i got loan to purchase a car.

 

I borrowed £6950 plus £1000 (for insurance some kind) Totally £7950.

Duration of agreement 48 month with 40.2% APR.

Total repayble £15061.12.

I paid £305.45 a month.

 

In 2007 I took another loan for £2000.

Agreement for 36 months with 60.10% APR.

With monthly payments of £109.74 a month.

 

In 2008 I couldn't afford to pay for the car and asked welcome finance to take it.

They didn't want car back and said that they will help me to ease monthly payments.

 

The said thay put both loand in 1 agreement for 60 months with monthly payments of £127.

To which I agreed verbally.

I started paying them monthly.

 

About 2 months ago I called them and asked how much I owe them.

 

They said they I have to pay them for another 6 years and I owe them nearly £10000.

I thought It wasn't right.

 

They said they gona take a car away because i didn't pay 1/3 for the car.

That's why I requested SAR to see what was happening.

 

So documents arrived.

 

And I found the aggreement where they pu both loans in one contract for 120 months.

I discovered that it s not my signature on the agreement and the date was wrong 30/05/2008.

That date I was in Thailand so I phisically couldn't be in UK signing a contract.

 

I called, them They admitted the forgery.

 

Next day they called me and said the forged documents doesn't change a thing and I still owe them £10000 pounds.

( By the way according to the SAR since 2006 I've paid £9400).

 

Regarding the forgery I contacted police fraud department.

 

They sent me letter I quote:

Broadly speaking there is no specific criminal offence in using identity belonging to another.

In relation of this incident please send the copy of this letter to the company (Welcome finance) ...

... They can decide whether or not to request an investigation.... .

 

Now I don't know were I stand.

 

I will have an apponments with citizen advice bureau next week.

If somebody please could give me advise what else I could do.

 

Thanks.

[dx100uk]

two threads merged

please keep to one thread per debt

 

dx

[dx100uk]

typical of welcome to do this

 

was rife or many years.

 

dx

[dadofholly]

dx which thread is my reply on? seems to have disapeared.

[dx100uk]

post 6 here

 

dx

[louloutinks]

This is what they did to me - reduced my payments and changed the account number (of which I didn't notice till a couple of years ago). Like you it was all executed by phone yet the other day they told me I had had 2 loans with them. Hope you can get it sorted. Can't believe they admitted frauding your siggy!