Jump to content


Asbestross

Welcome Finance - Unlawful Repo?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2494 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Evening all,

 

Looking for some advice on this one. Back in Aug 2006, I entered a HP agreement with Welcome Finance (stupid I know). Made contractual payments up until Sep 2007 at which point I had to leave the country for five months, during which time the care of the contract and car was left in a trusted friend. I paid money into their bank, they made the monthly payments (or so I thought) until my return in Feb 2008. Upon returning to the country, I found out that my friend had not made any payments, and in my absence Welcome had repossessed the car (from private land that it was parked on). I was obviously severely annoyed at the time, called Welcome who was extremely unhelpful but assured that was the end of it, the contract was terminated and I had no remaining liability....

 

How naive I was to believe them.

 

Last week I had an account entered on my credit file by MKDP LLP, showing a default in January 2010. Immediately queried this obviously, and have been sent details of my original welcome agreement stating that I had an outstanding liability as the car sold for less than its value.

 

Looking at the contract, this shows that if I have paid more than 1/3 of the value of the contract, they are not lawfully allowed to repossess the car, and if they do without a court order I can reclaim all monies paid into said contract. I advised Welcome of this, but now they are claiming that 'I voluntarily terminated and a letter was sent advising of this'. I hadnt sent any such letter, and the date they quoted for the letter was when I was out of the country, so have sent a SAR to them for copies (am fully expecting a forged letter in all honesty).

 

If they cannot provide a copy, then obviously i'll give them a chance to pay up before an N1 is filed.

 

Can anybody offer any advice as to the next steps, if it does come back clearly a forged document, what are my options?

 

Also interesting to note that the value they are claiming to be still outstanding, is less than half the value of the mis-sold PPI on the contract.

 

Cheers

Share this post


Link to post
Share on other sites

Did you get Welcome's response in writing about the 'volutary termination' ? It will be interesting to see how they respond in the SAR. I think your options are to either take it to the FOS or take it to court. - you may also find this thread interesting - http://www.consumeractiongroup.co.uk/forum/showthread.php?170345-A-Tale-of-a-Dodgy-DN


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.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Share this post


Link to post
Share on other sites

If it was me in your situation, then I would await the SAR, then outline in writing the complaint and give them the chance to remedy (or not).


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.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...