Jump to content


  • Tweets

  • Posts

    • Items for sale include five rare Ferraris and a pair of Air Jordan sneakers signed by Michael Jordan.View the full article
    • TECHZONE BUXTON LTD overview - Find and update company information - GOV.UK FIND-AND-UPDATE.COMPANY-INFORMATION.SERVICE.GOV.UK TECHZONE BUXTON LTD - Free company information from Companies House including registered office address, filing history, accounts, annual... thread title updated. dx
    • next time dont upload 19 single page pdfs use the sites listed on upload to merge them into one multipage pdf.. we aint got all day to download load single page files 2024-01-15 DBCLegal SAR.pdf
    • If you have not kept the original PCN you can always send an SAR to Excel and they have to send you all the info they have on you within a month. failure to do so can lead to you being able to sue them for their failure.......................................nice irony.
    • Thank you and well done  for posting up all those notices it must have have taken you ages.. The entrance sign is very helpful since the headline states                    FREE PARKING FOR CUSTOMERS ONLY in capitals with not time limit mentioned. Underneath and not in capitals they then give the actual times of parking which would not be possible to read when driving into the car park unless you actually stopped and read them. Very unlikely especially arriving at 5.30 pm with possibly other cars behind. On top of that the Notice goes on to say that the terms and conditions are inside the car park so the entrance sign cannot offer a contract it is merely an offer to treat. Inside the car park the signs are mostly too high up and the font size too small to be able to read much of their signs. DCBL have not shown a single sign that can be read on their SAR. Although as they show photographs which were taken the year after your alleged breach we do not know what the signs were when you were there. For instance the new signs showed the charge was then £100 whereas your PCN was for £85. Who knows, when you were there perhaps the time was for 3 hours. They were asked to produce  planning permission which would have been necessary for the ANPR cameras alone and didn't do so. Nor did they provide a copy of the contract-DCBL  "deeming them disproportionate or not relevant to the substantive issues in the dispute" How arrogant and untruthful is that? The contract and planning permission could be vital to having the claim thrown out. I can find no trace of planning permission for the signs nor the cameras on Tonbridge Council planning portal. and the contract of course is highly relevant since some contracts advise the parking rouges that they cannot take motorists to Court. I understand that Europarks are now running that car park which means that nexus didn't  last long before being thrown out.....................................
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Welcome Finance - This company needs to be banned.


tightbum
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4588 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 9.6k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

And you know why they continually phone you? They charge £10 for the privilege!

 

 

How can they charge me for phone calls when I am up to date with my payments?

 

Are you sure about this?

Welcome Finance PPI ***WON***£650

 

Black Horse PPI ***WON*** £1200

 

CL Finance-County Court Claim-***WON***(well sort of-stopped them continuing with the claims)

Link to post
Share on other sites

It's in their terms and conditions and if they're phoning to check payment dates etc., they may add these as charges. I would check it with them to make sure.

 

jamiethemac said:
Any what's going on with Cattles? There was a lot of speculation about them going under on an earlier thread

 

Their share prices have dropped drastically recently. Most prob because of the credit crunch and their banking licence application being delayed. They've also stopped lending apparently and have made redundancies.

Link to post
Share on other sites

Low-paid lose access to cash as Cattles restricts loans - Times Online

 

This is interesting Welcome have suspended all lending!!

 

chrisb333 said:
How can they charge me for phone calls when I am up to date with my payments?

 

Are you sure about this?

 

 

Yup they do, I have just got a full statement from them. £10 a call. One day I got 3 calls at £10 a shot:eek:

 

Ill be posting it on my thread on Monday at work;)

 

I have no arrears

I need to change my avatar..But cant find a good replacement.

Link to post
Share on other sites

I wouldn't be surprised if they have lost a lot of income from people realising PPI is not worth it for them.

 

I have a car finance with them, car is great (got lucky but am now looking for some wood to touch).

 

I've seriously conned myself, as after all I accepted their high interest, and have been paying for over 2 yrs with no missed payments but loads still owing.

Direct Auto Finance & DLC dispute ongoing.

Offer with confidentually agreement from DLC / DAF DECLINED :D

Please PM me if you have any cheap rate or 0800 number for DCA's to add to my list and also to my website

Link to post
Share on other sites

I Realised my mistake and just wanted out so I executed my right (as per the contract) by asking them to collect the car after i paid more than half in 2005.

They charged me a fortune in interest just on the PPI, as well as the loan for the car.

I am now thinking of claiming back the money they robbed off me and the interest because they bullied me into taking out the PPI when i was so desperate.

Link to post
Share on other sites

I was made redundant in November 2008 and unfortunately still seeking employment. I only receive JSA (£60.50), housing benefit and council tax relief. The housing benefit is paying most of the rent, less £80 per month until 15th February and the Council tax relief is only £12 per week. At present I am in deficit of £60 per week.

 

I have two loans with Welcome Finance, one is a personal loan (£3689) and the other was for hire purchase on a car. I have succeeded in a Voluntary Termination on the car account, so it has now reverted to a none priority debt (£6002.26).

 

Since being made redundant I wrote to my local Branch and notified them of my financial situation and that I would not be able to make payments on the accounts for the time being. All started well with this, but they soon started phoning me constantly asking for payment, even asking me to BORROW money so that I could make a payment to them. With all this happening I sought advice from the National Debtline, who advised me on what to do. First thing was to ask Welcome to hold any action for 28 days and freeze interest and charges. This they refused to do. In one week the car account balance increased by nearly £100!!!

 

Still the calls persisted. I spoke to their Call Centre and they said I should speak to the Manager of the branch. This I did, and she agreed to not contact me until my circumstances change. Which is what I asked for in the first place. Still no mention of interest freezing though.

 

I then sent a letter asking again for charges and interest to be frozen for at least 28 days, offered a token payment of £1.00 per month and that all future correspondence be in writing.

 

Today, I received a phone call from the local branch, again asking me if my circumstances had change, even though it had only been three days since I had spoken to the manager. Again, he asked if I could BORROW money, to which I said he was out of order and acting illegally.

 

Should I know push forward with a complaint to OFT and the Financial Ombudsman? Or make a complaint to their complaints department first?

 

Any advice would be greatly received. These people are killing me.

Link to post
Share on other sites

can any one help with this i took the loan with welcome but land registy have it as progressive financial services can they do that my loan is with welcome den

 

This is what I found on the companies house:-

 

Name & Registered Office:

WELCOME FINANCIAL SERVICES LIMITED

KINGSTON HOUSE CENTRE 27 BUSINESS PARK

WOODHEAD ROAD

BIRSTALL, BATLEY

WEST YORKSHIRE

ENGLAND

WF17 9TD

Company No. 00133540

 

spacer.gifspacer.gifspacer.gifspacer.gifStatus: Active

Date of Incorporation: 23/01/1914

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6522 - Other credit granting

Accounting Reference Date: 31/12

Last Accounts Made Up To: 31/12/2007 (FULL)

Next Accounts Due: 31/10/2009

Last Return Made Up To: 24/05/2008

Next Return Due: 21/06/2009

Last Members List: 24/05/2008

Previous Names:Date of changePrevious Name23/12/2002TELEPLAN RENTALS LIMITED27/10/1987REFUGE SUPPLY COMPANY LIMITED01/12/2006PROGRESSIVE FINANCIAL SERVICES LIMITEDBranch Details There are no branches associated with this company.

Link to post
Share on other sites

I am relieved to have found this site and found the Welcome thread most interesting, my situation is that in Feb 06 I paid off a welcome car loan (for partners car taken out via YES Finance) and took out a new loan (i know seemed a good idea at the time) - since the loan was taken out there have been numerous problems with them - they tried to collect the direct debit on a differnt date to what was agreed usually a week or so before pay day so there was not always sufficent funds hence i incurred charges, the loan was then discussed with my husband without my knowledge or consent. In November 07 the property the loan was secured on was sold and welcome received a payment of £7k from the sale but say that there is still £10k left to pay - i cannot see how the loan was for £10k - can i claim the ppi they sold me and what can i do to get them to give me the right amount left? i cannot seem to get through to them - they want me to do a statement of means and thats come out of the blue from nowhere :confused:

Link to post
Share on other sites

We've been with welcome for a couple of years now. They've been mostly OK, we pay on time so we never really hear from them. The rates are rubbish but then we knew that when we signed up but we were desperate and we just rushed to get the money/car.

 

We are currently paying £195 a month over 5yrs for the car loan and £75 a month for an unsecured loan of £1100 over 3 years.

As it stands it is becoming more of a problem every month to meet the payments. Has anybody here ever successfully negotiated paying them a lower rate every month? We've not asked them yet, we are a bit concerned we'd lose the car which we really need ATM/

Link to post
Share on other sites

Hi Heidi83, thats a lot of money you are paying them back! I know the rates are terrible etc, but you obviously have the insurances etc for payments like that, don't you?

 

Please avoid re-financing with them, they will only trap you into a lot more borrowing over a lot longer. You could try making a payment arrangement with them (in writing, recorded) if you are struggling, or if you decide you do not need the insurances cancel them to lower your payments.

 

Unsure about the car loan, have not dealt with them much but that should be a last resort anyway and a long way off.What type of agreement is the car loan?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4588 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...