Welcome Finance - This company needs to be banned.

[sparky321]

here here xxxxxx

[sparky321]

hello guests are you bored today, not much to do on the welcome keyboard eh ? why dont you try online bingo instead you never know you might get lucky hawhawhawhawhaw :D

[Sol]

Well today I finally receive a response from the FOS regarding WFS adding interest onto the Acceptance Fee.

 

Rather than clear things up, they've simply avoided the complaint and based their findings on my moral obligations to repay. I am appealing the decision and have pointed out that if their response was like that each time a person complained, there would be a lot of corrupt businesses taking advantage of consumers, something Cattles does extremely well already.

[sparky321]

as im sure you will all see im gloating at the misery facing welcome finance with very good reasons, il tell you all why so you will all know what a low life bunch of ( i cant say that lol) well a few years ago my poor dad passed away after a long battle with cancer, the previous month i missed my car payment due to the fact that my appendix had burst and i nearly died so hubby had to have a few weeks off work to help me with kiddies, anyway the day before my dads funeral welcome finance calls me, this is how the call went.

WF. WHY HAVNT YOU PAID FOR CAR

 

ME. IM SO SORRY MY DAD JUST DIED, IV BEEN IN HOSPITAL, MY HUSBAND HAS CALLED TO EXPLAIN THAT WE WILL MAKE UP THE PAYMENT.

 

WF. WE NEED PAYMENT TODAY

 

ME. WE HAVNT GOT IT RIGHT NOW PLEASE CAN YOU WAIT A WEEK, ITS MY DADS FUNERAL TOMORROW I CANT DEAL WITH ANYTHING AT THE MOMENT.

 

WF. WELL IF YOU CANT PAY TODAY SOMEONE WILL COME AND COLLECT THE CAR TONIGHT.

 

ME. I NEED THE CAR TO GO TO MY DADS FUNERAL PLEASE CAN YOU CALL ME IN A FEW DAYS.

 

WF. WELL CAN SOMEONE ELSE PAY IT FOR YOU NOW ON THEIR CREDIT CARD.

 

ME.......unable to speak for crying

 

HUSBAND TAKES PHONE TELLS THEM TO GET STUFFED.

 

Following week made up missed payment but got charged for door visit that never occurred, 2 phone calls and returned direct debit fee totalling £96.00. just one of many reasons why i hate them. xxxxxxxxxxxx

[Sol]

Welcome are finally getting what's coming to them - the dole queue!

[sparky321]

yayyy i cant wait sol xxxxxxx what goes around comes around eh ? xxxxxxx

[Sol]

yep. may take some time, but it will happen

[EBOY]

Well today I finally receive a response from the FOS regarding WFS adding interest onto the Acceptance Fee.

 

Rather than clear things up, they've simply avoided the complaint and based their findings on my moral obligations to repay. I am appealing the decision and have pointed out that if their response was like that each time a person complained, there would be a lot of corrupt businesses taking advantage of consumers, something Cattles does extremely well already.

 

Hi Sol,

You arequite correct to appeal the decision. My own experience is not to the FOS is all knowledgeable. Indeed I have turned down two offers already. The first offer was £140 and now it currently stands close to £800. However they didn't include any compensation for the amount of hassle of letters and phone calls I had to make. So who knows I may not accept their 3rd offer.

[sparky321]

good for you eboy give them hell and good luck to everyone here i wanna see them suffer lol xxxxxxxxx

[brassed-off-2]

Hi there B-O-2. I will post it soon, for one thing I need confirmation about what I believe are certain, shall we say, irregularities in the agreement.

My problem is that I feel that what has happened with her situation (re-written secured loan) is fairly unique and would be readily identifiable by the prying eyes.

 

Hi again...quite understand your predicament...same thing here too, i used photobucket, and pm'd the link to a couple of well know welcome caggers for advice...hence why i havent posted up the photobucket link yet!!

 

b-o-2

[Voda]

Remember Guys,

 

We are dealing with LOAN SHARKS to all intents and purposes, so expect LOAN SHARK TREATMENT from WELSCUM.

 

Can't wait to see all the lousy staff on the dole.

 

Tee Hee

 

Voda

[brassed-off-2]

Just phoned my Lady at the LMB...I wasnt able to speak to her as she was having a 1-2-1......is she being told bye bye??????????

[sparky321]

lol me too voda hun queing up for jobseekers allowance hahahahaha xxx

[sparky321]

hee hee brassed p45 here u go lady u aint WELCOME here no more, wipe your feet on the way out hawhawhaw, xxx

[Sol]

Hi Sol,

You arequite correct to appeal the decision. My own experience is not to the FOS is all knowledgeable. Indeed I have turned down two offers already. The first offer was £140 and now it currently stands close to £800. However they didn't include any compensation for the amount of hassle of letters and phone calls I had to make. So who knows I may not accept their 3rd offer.

 

I intend to take this further! The adjudicator even referred to WFS as a bank, since when?

 

I've sent a quick email to let him know I am not happy with the report, considering it's been 6 months since I initially made the complaint, and that I would like them to look at the issue I complained about and not for a lecture about repaying WFS.

[sparky321]

good luck sol xxxxx:)

[eeeezzzyy]

Evening all.....and you 6 guests, Come on now Welcome staff staring at this board is'nt going to get you another job !!!!

[jacksi]

OH just given Welcome some grief on the phone both phones ringing at same time, infact 6 times in ten mins have they nothing better to do, all i want from them is to say when they are coming to pick the car up, is it too little to ask.................

[postggj]

just pulled this off lse:D

 

I worked for Welcome briefly and I have to say it is the poorest company I have ever worked for. The quality of the management through to the staff in the local branches was incredible, the majority are no more qualified to deal with peoples finances than a shelf stacker in Tesco (no disrespect). The share price was always false and inflated by poor / fraudulent accounting and misguided staff taking share options. I left of my own accord and am not bitter but it was a real eye opener. The Managers in my branch lent money irresponsibly, some of the foreign applicants couldn't even read english they joked, they always achieved their monthly lending target, took their monthly bonus but unlike others didn't buy shares........ How wise they look now or did they always know....

 

This is a lesson to any who buys stocks & shares......... I for one will not be buying Shares now or Ever. The company will continue collecting until the Consortium of Banks get back as much as they can hope to and then wind it up. Good luck to those involved, you bought in good faith and it's not your fault.

[kawala83]

Iain, you are right we should be near the end of our agreement but when my husband when into the local branch a year after getting the car and asked for them to take the mecahnical break down etc off they reduced his monthly payments and streched it out to 84 months. I didnt know this untill i looked at the contract this week. Plus the car was written off in an accident a year ago, we have continued to pay the monthly payments.

Before they rang we were in writing them a letter to ask how much we actually owe.

They rang a second time at 5pm. Its the branch in colchester that keeps ringing, we have moved since.

[postggj]

kawala

 

car written off

 

did you not have gap /shortfall insurance

[kawala83]

as far as im aware no we didnt. It was my husbands car and he delt with it all. At the time i was pregnant, due to drop and was about to be posted ( hubby army) so was too stressed to deal with the car stuff too.

[postggj]

do you still have the agreement to hand

[kawala83]

Just asked hubby and he didnt even know what it gap insurance was.

[kawala83]

Yes we have all the agreements.