Welcome Finance - claim form received

[gilly5001]

Thanks for your help! I'll send it recorded on Saturday

watch this space

[cat10]

On the credit file it usually says settled.But on the bottom it usually says VT.

How old is the termination notice?

[gilly5001]

I think it was September when we received it

[dadofholly]

Please make sure you take the advice of never ever dealing with your local branch - they only exist to chase non payers - Welcome no longer do anything else and are unable to make loans.

 

Are you able to edit and scan the default notice they served on you?

Did you purchase the car from a dealer - and if so who arranged the finance for you?

 

Be interesting to see what comes back from the SAR

[gilly5001]

I have posted about this a few times, and the upshot of it is that we owe Welcome finance £5500ish on a £13996 agreement.

The car has caused us no end of trouble and we have been arguing this for years with them.

 

they have harrased us by telephone, sent letters from god knows how many different managers.

Weve wrote back asking them to wipe charges and we could arrange to settle the debt they said they only charged us £300 in letters etc.

 

We have offered to pay them £2000 more after all the problems we have had with the car, but this they have refused.

 

they are ringing 20+ times a day and in the last phone call about half an hour ago in whi OH refused to confirm security

so the man from Welcome said he's coming to collect the car!

 

Can they do this?

I dont think they can without a court order.

 

what if they have a court order, would we know about it?

 

If they arrive with a court order do I have to give them the car?

 

we have paid nearly £8000 off it,

and I am willing to pay the rest minus all of their unfair interest charges etc

 

Can anyone help??

 

Im worried theyre about to turn up at the door

 

Gilly

[BRIGADIER2JCS]

Check the terms of the contract I think if you

have paid more than half they need a court order.

[brokebutnotbeatn]

SAR welcome. Then reclaim all unlawful charges. no, they can't just turn up and repossess the car.

[Bazooka Boo]

Welscum at their usual best again I see!

 

As bbnb says they can't just turn up and take the car, that's called theft, and they won't have a court order to do so, if they do, that would be fraud (IMO)

 

Stay OFF the phone to them now, tell them that you will ONLY deal with their basic wage chimps by letter, also demand a copy of their complaints procedure, if you don't already have one, and exhaust it so you can escalate your complaint further.

 

Tip off BBC Watchdog, your local MP, and of course the OFT&TS.

 

And get reclaiming all of those fees and charges back, you'll probably find they owe you!

 

Head Office

 

Welcome Financial Services Ltd,

Ruddington Fields Business Park,

Mere Way,

Ruddington,

Nottingham,

NG11 6NZ

http://www.fscs.org.uk/news/2011/march/fscs-declares-welcome-financial-7pghpepm/

 

http://www.bbc.co.uk/watchdog/gotastory/

Edited April 20, 2012 by Bazooka Boo

[brokebutnotbeatn]

:thumb:

[dx100uk]

three threads merged

 

please keep to ONE THREAD per debt issue

 

dx

[dx100uk]

SAR welcome. Then reclaim all unlawful charges. no, they can't just turn up and repossess the car.

 

can no more highly advise you do this as a matter of urgency

 

you've been told several times over the course of the now merged threads to do this.

 

 

it'll end-up that they owe you i bet.

 

dx

[dx100uk]

and if they ARE phoning 20+ times a day

 

get the harressment letter off PDQ too.

 

dx

[gilly5001]

Hi I've SAR welcome, not heard Anything as yet and today received a letter under section 80 that they demand to know the whereabouts of the car

Thanks for everyone's help

[Bazooka Boo]

s.80 of what?

 

They will have 40 calender days to reply to your SAR, did you send it recorded?

[gilly5001]

Yes recorded and section 80 of cca, it says it relates to us keeping the vehicle in our possession or control

[gilly5001]

Also says if we fail to comply within14 days we will commit an offence under section 80 and be held liable

[dx100uk]

what are they sprouting off now to try and confuse the customer

 

silly beggers!

[gilly5001]

Do I write to them confirming where the car is or ignore them?

[dadofholly]

have you paid off more than one third of the car?

[dadofholly]

is this a commercial agreement or a personal hire purchase agreement?

 

s.80 relates to commercial HP agreements.

[dadofholly]

other thing to look at on that request - is the letter headed 'without prejudice' by any chance? (an old welcome trick).

[gilly5001]

Hi yes it did say that. Now had a letter off em saying they want photocopies of drivin license or passport o

Confirm our identity! Said they can't from info give

E.g name address account number etc

Shall I send it to them, maybe they want to know what we look

Like

[gilly5001]

Oh and it's a personal agreement

[Bazooka Boo]

Hi yes it did say that. Now had a letter off em saying they want photocopies of drivin license or passport o

Confirm our identity! Said they can't from info give

E.g name address account number etc

Shall I send it to them, maybe they want to know what we look

Like

 

Give them my details, tell them to go forth, do not collect £200 do not pass go, but do drop off the edge of a cliff, landing on a electricity sub station, causing a blackout across half the country, so the other 50% of the country that doesn't know how puerile and irritating they are can all vent their spleen in their direction also.

So they have confirmed in writing, that they don't know who you are and have been breaching the DPA on numerous occasions and want you to forward a complaint to the ICO, nice!! Mugs.....

[gilly5001]

Ha I love this post! Tell me then can I report them? Use their own letter against them??