jubaxt v welcome

[jubaxt]

hi-took hp with unwelcome 7th sept 2004-ppi added 995+interest==£1295.

after xmas 2004 -i cancelled ppi.

 

2 weeks ago-asked for statement-found that ppi had not been removed so rang the office where ppi is dealt with-i was informed that ppi was actually cancelled on 14th sept 2004-with no written authorisation from me.

 

in effect i had no ppi but was still paying for it and was never informed.

they now want me to sign a new agreement before they will refund £420 charges and ppi into my account.

 

they also say that as i am refusing to sign a new agreement it will not look good if i take them to court-as i have declined refunds-why should i have to sign a new agreement though!??

 

have requested cca and contacted fos.they advised me to pay installment but to be cautious about signing new agreement.

 

where do i stand!!??-what should i do??

 

i would rather have some of the funds back as cheque payment rather than have it all taken off balance too!

[jubaxt]

Any advice re this letter I have written to welcome to accompany cca request please

 

 

 

Dear Welcome Finance,

Further to my telephone conversation with yourselves today-I write to confirm that I request a copy of the cca for my account with your company.

I am disputing charges applied to the account and after speaking with F.O.S today am reluctant to sign another agreement without noting what the figures will be-I therefore also request the total sum which you would include in the new agreement.

I have spoken also with consumer direct and welcome complaints department regarding this matter.

The main issue that concerns me is that PPI was added to the initial loan on 7th September 2004 but, although I asked in writing for it to be cancelled a few months later-after being told it could not be cancelled verbally ,I have recently become aware that it was actually cancelled by yourselves within a week or so of the loan commencement so I would appreciate also a copy of the written consent from myself asking you to cancel the policy on 15th September 2004.

I also require a written explanation as to why the premium was never deducted from the balance until October 2005 when I swapped the car from the Clio to the Polo.

I also had the premium included in the monthly instalment until now-I wonder, what would have happened if I had to claim on the insurance between September and December 2004??

I also resent your threats to take possession of the car if I don’t sign a new agreement.-It is your company that have added charges and also who terminated the policy without written consent. It is also your company who failed to notify me regarding the same-Perhaps that is why you want me to sign a new agreement as the last one may be unenforceable if I take this to court!

You also made the threat on the telephone that by refusing to sign a new agreement I am also refusing a refund-I think not!!!!!!!!!!

I look forward to receiving the above paperwork from yourselves in the next few days and will be copying this letter to F.O.S and to any other relevant authorities including your complaints department.

 

Yours Faithfully

[steven4064]

That seems pretty comprehensive. Keep up the pressure. Play hard ball. Don't let them fob you off.

 

Steven

 

If this post is helpful, please click the scales

[overflow]

hi jubaxt.

replied to your pm, hope i did it right lol.

just been reading your thread you seem to be having a hard time with THEM. Cant believethey expect you to sign new agreement, what a cheek. Just for the rercord have you sent them a DPA.

I wrote one for my daughter , the deadline for hers is 9th June but on reading her T&Cs it seems as though her ppi is with Norwich Union so ive advised her to send them one too as you dont know what THEY (Welcome) have told them in order to get the ppi.

the only thhhing is my daughter is such a hot-head and wants everything done now, im trying to persuade her to go down the right avenues then if it does go as far as court there will be no come backs on her part.

I think its disgraceful the way they think they can con people but, if you think about it most people, myself included, dont read the small print . Just sign and dont bother to go into detailand they know this .

when your considered to be "high risk" as she is , the sales-person told her so, then if you want a car and need finance but have tried everywhere to get it but to no avail, then the first company to offer you a glimmer of hope you snap their hand off, who bothers with reading the small print under the circumstances.

Welcome are financial vultures and the ordinary Joe Public are its prey.

Dont be bullied into doing anything you dont want to and as for them taking the car back ,im not sure they could anyhow now as hasnt there got to be a certain amount paid after which they cant touch it. If you got yours in 2004 then you must be over this limit surely.

keep asking for advice on here , loads of really clever people with really good advice to help you.

Ill kep you posted on my daughters situ , it might help you get yours back in cheque form as well.Heres hoping anyway eh. I just hope she doesnt put her foot in it when she sees this guy.

 

regards

[overflow]

sorry just noticed you got your statements back so you must have sent SAR so disregard the question;)

[jubaxt]

bump

[jubaxt]

aagh-asked for wrtten confirmation that policy was cancelled in 2004 yesterday-told yes over the phone but received a letter today to say it was 2005 not 2004????????!!!!!!!!!!!!!

convenient or an error-higher level manager also phoned me to say that half the £420 charges would be refunded into my account today and that if i were to pursue them all i wouldnt win because they are account management fees ??????????

still awaiting cca -should i be glad i didnt send the above letter in time or dubious????

[steven4064]

if i were to pursue them all i wouldnt win because they are account management fees

 

What are these "account management fees" for? Late payments? Going over credit limit? If they are either of these then they are penalties albeit "disguised penalties" You can claim them back (and they will have to pay them).

 

Steven

 

If this post is helpful, please click the scales

[jubaxt]

decided-going to wait a couple of days to see if they send cca-if so well.it should be interesting though cos the original hp agreement in 2004 was for a car that had to be swapped by welcome in 2005 due to severe mechanical probs-my copy of the amendment was never dated so is that non-enforceable??????

will see if the refund of £210 is completed then will pursue rest with cci if nec-what do you advise??

[overflow]

HI Jubaxt.

you asked me to keep you posted re my daughters PPI.

Well today she went to the local office and spoke to the agent there. He was very helpful and seemed like he knew she was getting ripped off tried to help her.

So far they have reduced the finance by just over £1,900 as she told them she wanted the PPI cancelled. She doesnt work and her partner had not long started work, under three mths, when they applied for the finance , so to my mind they should not have been sold it , but like Ive said before the guy selling them the car said they where high risk and no PPI no car so obviously they signed for it. You know what its like , just passed your test and the chance of a car ,of course they snapped his hand off, signed on the dotted line and didnt think anymore of it till I asked them how come they'd been sold it .

Anyway the top and bottom of it is they have sent a letter telling them that they want what they have paid back plus interest . Waiting now for them to reply.

This chap they saw today handed them a print out of all they have paid to-date and they noticed that in Sept Welcome had put £100 on top of what they owe under the heading of FEES. He said he didnt know what this meant but they should ring the head office and find out. They are right Villans if yoy ask me.B****y cheek. No wonder people are owing them more han they think if this is what they do. Slap fees on whenever they want and dont bother telling you.

Its also showing £150 for Disbursal of Fees. God knows what that means, I havent a clue but anyhow they are just waiting now to see what kind of response they get to their letter.

Ill keep you posted ,(pardon the pun).

How are you doing with your situation ? Any joy yet?

Let me know how you are getting on.

 

Regards Eileen:)

[jubaxt]

the plot thickens-got written confirmation to say that ppi was cancelled in sept 2004-bu for some reason despite being told over the phone that it was cancelled in 2004-their letter states it was 2005-coincidence??????

they offered to pay back half my £420 charges.

WELL-yesterday my branch rang me asking when I would be paying this months installment-my reply?

 

right-1)send me proof that you've refunded half my charges

2)i want you to look into why i was sold ppi when i was employed on a casual basis

3)i want a copy of cca-then-we can discuss payments-their reply-right ok then-we'll be in touch-silence.lol

[overflow]

hi

seems like youve got them on the run. Good for you , keep the pressure on and dont give in no matter what they throw at you.

If youve got it in black and white that the date of cancellation was 2005 I dont think theres much they can do , even if it was a typo on their part.

They still have to supply you with written confirmation that it was 2004 and not 2005.

Good luck . Will watch your post with interest:)

 

regards eileen

[jubaxt]

guess what?

 

no cca as yet-a letter confirming that they have refunded £220 of £420 in charges but nothing re-ppi.

 

it appears that the inception date of ppi was 07-09-2004-was cancelled on 09-07-2004 and then re incepted!!??

 

been told by their policy claim dept that-had i wanted to claim as a casual worker-i wouldnt have had a valid claim-the woman in our local branch is off today-really unsure about how to go for mis-sold ppi-do i claim it as a charge-adding cci from the inception date?-it will be worth a fortune

[overflow]

hi jubaxt

my daughter is still waiting for hers to be resolved. The person that has been dealing with her case phoned her up today and told her that he has passed all her info on to Head Office.

So far they have taken about £2,000 off her balance, but , she has told them she wants what she has paid back in cheque form, NOT taken off balance.

She sent a L.B.A. to them and their time is up next Tues , she reminded this guy of that and he said she should hear something off them before that, (this remains to be seen though) lol.

She has only had the car since last July and the payments started in August so she wants monies she paid from then till now. Not too much to ask is it as hers was definately mis-sold .She doesnt work and her partner had not long started his job also the guy who did the deal for them said they were "HIGH RISK" so he intermated "No PPI No car", apparently he is going to be taken to task over not doing his job properly. He was told all this but still gave them the PPI. Naughty , naughty boy.

Clearly their staff need more training and a slap on the wrist.

I hope you get yours sorted , you could start by sending them a LBA as she did and see what unfolds eh.

Ill keep you "posted" as to the outcome if you like and lets know how your getting on as well.

 

regards

 

eileen:-)

[overflow]

just a thought she is going for the interest as well so go for it cant do any harm to try can it. Its your money if it was in the bank just sitting there it would be accrueing interest so why shouldnt they pay up.

[jubaxt]

have you gone for charges and ppi overflow?-going to start mine properly this weekend-perhaps i ought to start from prelim.what address have you sent your correspondence to?

[overflow]

Hi

its my daughters claim and I dont think shes got charges as such. She just wants all the PPI shes paid back with interest , of course.lol.

She just took hers to the local office and they forwarded it to the head office. not too sure of address but can find out for you perhaps it might be on her contract eh.

 

regards:)

[overflow]

Dont know if this will help. Think its the Head Office.

 

Mere Way,

Ruddington Fields Business Park,

Ruddington,

Nottingham,

NG11 6NZ:)

[jubaxt]

ta overflow-spoken with my branch today as still nothing in the post.

 

 

they are going to look into it today-she virtually admitted the ppi was mis-sold.i told her i want remaining £200 charges reimbursed plus ppi.

 

given her til friday else prelim with 25>9% interest will be winging its way to head office.

[overflow]

hi Jubaxt

glad to hear things might be startin to look up for you. how long have you given them already, I think youve been very patient if it was me I think Id have sent the pre already. They think that by agreeing with you that youll let up on them but dont. Keep presure on them , let them know you mean business, not going to be fobbed off.

My daughter still not got her cheque so shes going to file on Wed . they love taking the michael.

Thanks for keeping me "posted" though and GO GET THEM.