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Megellen
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Hi Everyone,

Just after some advice and please excuse the generality of dates and amounts for now.

 

In May 2004, bought a vehicle from dealer using Welcome Finance.

Part ex'd the vehicle with the same dealer in May 2005 but used BCT.

Dealer did not allow enough on the previous car to clear the o/s debt and three months later, Welcome asked me to pay £260 approx to clear the debt. Unfortunately, due to a job & house move at the same time, the cheque bounced. Welcome said that as the cheque bounced I was now liable for the full balance of the debt and demanded £2566.77.

When I got back onto my chair, i told them that I would have to pay it at £10 / week. I am now paying £60 / month but it is crippling me. Even a settlement figure I got in Nov 2005 would only accept £1200.00.

When I ring them, I cannot get past the receptionist as although I have letters and agreement numbers and the original car reg number, I can't remember the original monthly repayment and therefore cannot speak to anyone with a brain cell!!!!!

This figure has also accrued charges for late / missed payments and I am not sure if I am being charged interest on the balance.

Please, Please help me - I want to get rid of this debt.

Thanks

Nationwide S.A.R. 31/03/07 Prelim Letter & Sched. 09/05/07 Claiming £2792 LBA 23/05/07

MCOL filed 30/06/07

 

Barclaycard S.A.R. 03/04/07 Prelim Letter & Sched. 11/06/07

Claiming £516.00 LBA Sent 03/07/07

 

Abbey S.A.R. 31/03/07 Prelim Letter & Sched. 12/06/07 Claiming £1380 LBA 03/07/07

 

MBNA S.A.R. 31/03/07 Prelim Letter & Sched. 12/06/07 Claiming £799 LBA 03/07/07

 

Waiting to do:- GE Capital Bank / M&S Money / Bristol & West / Capital One

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Can anyone advise PLEASE!!!!!!!!!!!!!!

Nationwide S.A.R. 31/03/07 Prelim Letter & Sched. 09/05/07 Claiming £2792 LBA 23/05/07

MCOL filed 30/06/07

 

Barclaycard S.A.R. 03/04/07 Prelim Letter & Sched. 11/06/07

Claiming £516.00 LBA Sent 03/07/07

 

Abbey S.A.R. 31/03/07 Prelim Letter & Sched. 12/06/07 Claiming £1380 LBA 03/07/07

 

MBNA S.A.R. 31/03/07 Prelim Letter & Sched. 12/06/07 Claiming £799 LBA 03/07/07

 

Waiting to do:- GE Capital Bank / M&S Money / Bristol & West / Capital One

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John,

Thanks for pm.

Have viewed site & posted my query on there as well.

The more who see it the better!

 

Thanks Again,

Meg

Nationwide S.A.R. 31/03/07 Prelim Letter & Sched. 09/05/07 Claiming £2792 LBA 23/05/07

MCOL filed 30/06/07

 

Barclaycard S.A.R. 03/04/07 Prelim Letter & Sched. 11/06/07

Claiming £516.00 LBA Sent 03/07/07

 

Abbey S.A.R. 31/03/07 Prelim Letter & Sched. 12/06/07 Claiming £1380 LBA 03/07/07

 

MBNA S.A.R. 31/03/07 Prelim Letter & Sched. 12/06/07 Claiming £799 LBA 03/07/07

 

Waiting to do:- GE Capital Bank / M&S Money / Bristol & West / Capital One

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