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    • we know them well. you TOTALLY ignore them. NO DCA is a BAILIFF  
    • I've read loads of old messages about what to do but feel my case is different, it's a bit of a back story so ill break it down. - Had a letter from an Italian province in July of 2020 for a speeding offence in 2019 for 575 euros, was in a hire car I used for work, no longer work for them and heard nothing from either. - Thought blimey, but went to pay it anyway, it had doubled to over 1100 euros, yeah I can't afford paying that, filled out the attached information sheet to say it was me driving but I have no money or job due to COVID (true story) and sent it back (durrrr) - Heard nothing until December of 2023, a letter from an appointed solicitor from Florence saying if I don't pay, we will chase you through the legal system with costs born by you. - May of this year, I get a letter from CLI (Credit Limits International) saying they have been appointed to carry out the collection, £1475. - Stupidly, I started the 'three letter process' asking for proof etc, and they replied a few days ago with a copy of the fines I had received from Italy, they stated the debt has no terms and conditions as it relates to a fine in Italy and the debt is not subject to the Consumer Credit agreement. I translate that to "at the moment we don't own the debt and have been given authority from Italy to pursue the debt". That is where I am currently at, I would begrudge giving in and paying an obscene amount. As seen from similar threads, I know a threat of a visit is coming, followed by a threat of court action, but annoyingly it hasn't been mentioned how these cases were concluded and the threads are now locked. I've read to ignore them, but can't help but feel that because it's such a substantial amount that they will feel it's worthy of pursuing this no matter the hoops they have to jump through. Along with admitting it was me driving and opening the can of worms by contacting the DCA, it wouldn't look good for me should it ever get to a courtroom.  Has anyone with previous experience managed to 'get away with it'? Anyone know what they're capable of other than nagging me? I'm not after any moral judgment. Forgot to add, got friends in Italy, and one of them rang the Police where the fine came from, and her reply was “Tell your friend it’s not a big deal, it’s only a speeding fine we’re not going to chase him, tell him in future to take his foot off the gas, however it he returns to a Italy and gets control checked, he would be held until the fine is paid”  A bit odd I thought, considering I am being chased now.
    • take the SD card out and put on a pc/laptop then run recuva on it in  select videos only option select specific location hit browse then select drive letter of the SD card. then next  then deep scan then go have a cup of tea..  when done dont recover the all files back to the card select a new folder on your pc/laptop        
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Welcome Finance - This company needs to be banned.


tightbum
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Taitybean09

 

How Are Welcome Taking Your Money

 

Do You Have An Attachment Of Earnings

 

Have You Been Contacted Either By Cohen Solicitors

Cl Finance

Or Lewis Debt Recovery Agency

they have an attachment of earnings and have been taking money off my wages each week for the past year now!!

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NO INTEREST ON CHARGES FOR CREDIT , PERIOD

 

WANT TO KNOW WHY I HATE WELCOME SO MUCH

 

BUSTED

 

http://www.consumeractiongroup.co.uk/forum/welcome-finance/218955-welcome-car.html

 

 

HOPE YOUR WATCHING MR P

 

THATS NUMBER 16 IN MY BOOK

 

who is Mr P ? mate ?

 

how days now ?

 

please PM me , did you have that letter you said you were doing for me ?

 

speak soon mate cheers again

 

mart

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does anyone know how to calculate early settlement rebate as described in CCA1974 section 95. Is there a calculator available? Our problem, 20 payments made of total 36 (car HP) absorbed into second WF loan without any rebate being paid. This was year 2000 until 2002 when new loan taken out.

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Hi i have a loan with welcome finance and it was the biggest mistake of my life. I borrowed £3000 over 36 months & the total payment each month was £226.65 & the interest on top is £3796.48 & also a acceptance fee of £75, the Apr is 55.55% now that is high. I've got payment protection insurance on this which is £1167.92 & personal accident plan of £195 now i did'nt ask for these to be put on but they were already on the form when i recieved them. Anway due to money problems I could no longer pay the £226.65 a month so i went with a debt company called payplan which are really helpful & free. They reduced my payment to WF to £93.93 & they agreed to it. Recently i recieved a statment from WF with charges on & blimey i could'nt believe the interest charges they were putting on. Each month i was getting charged £166.16 next month would be higher & the hightest so far is £181. At first my loan was £8000 then they wrote to me & it went down to £4849 because they took alot of interest off so i phoned them to double check & it was right but then about two months ago i phoned them & they said i still owed them £6500 i was like what i heck. I had enough so i phoned fair tradings & they contacted WF & yesterday i got a letter from them saying they will not take the interest off so i am going to contact fair tradings again & i surpose i'll have to see what happens. But please please do not go with this company they are very bad news. I am at the point where im just going to say to them you are not getting no money off me at all because of this & they can take me to court. How the hell do they expect the loan to get payed off when im paying them the £93.93 & they are just adding interest its never going to get payed is it? As for the bloke that comented on here saying i work for Wf blah blah blah well up urs i dont care what u say WF ARE A BAD COMAPNY AND I HOPE THE COMPANY GETS CLOSED DOWN OR SOMETHING DONE ABOUT IT SO THEN UR ALL BE OUT OF A JOB THEN UR BE THE ONES IN OUR SHOES . YOU COME ON HERE THINKING YOUR ALL BIG & THAT JUST BECAUSE U WORK FOR THEM.

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Compliant ? my son was naive enough to take out a loan in July with this shower and looking at the agreement the boxes for PPI were pre-printed with a tick. So much for choice, basically Welcome preys on people who are desperate.

 

 

Mine 2!!:-x

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Compliant ? my son was naive enough to take out a loan in July with this shower and looking at the agreement the boxes for PPI were pre-printed with a tick. So much for choice, basically Welcome preys on people who are desperate.

 

Mine is the same, It already has a tick printed so yeah so much for choice.

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can i just state there seems to be a lot of new people here posting their threads, as this thread is huge it would be helpful if you can start your own thread and post a link in here the reason being if you want help this thread moves so quickly it gets lost or overlooked, and if you havent already done so send off a cca request to wf with £1 postal order and never deal with them on the phone

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hi guest from welcome r u worried about ur jobs now 2 of u

 

cant u get sleep during nights lost ur jobs or going to loose it

 

r u on night duty to check the things here from wel**** its time to get away from them

 

this is not for u dear guests from wel**** or cattles or lewis or cohen

 

is there anyone around to stop these guys from visiting/poking them in this site

 

there is nothing happening here at the moment so sleep well

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I was on here yesterday not logged in,

don't presume all guests are from welcome.

google gives a high result linking to this thread and not everyone is a member here yet.

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

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Right.... any ideas welcome (pardon the pun)

 

started loan in Jan... section in agreement said first payment one month from start of loan

 

Within the week they took a payment

 

We canceled the DD for Feb and resumed the in March

 

sent a letter to explain why this was done.... no reply

 

now found out they canceled the agreement for Jan and started a new one (same T&C ) in Feb

 

Effectively taking back the payment we canceled in Feb

 

So question is.... is the "new" agreement they started in Feb without our knowledge / consent / signatures, under a new agreement number, legal

 

And how to precede ?

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ime on this dan and to answer your question

 

no, no no

 

a cca is a legal document

 

even if welcome think the law does not apply to them

 

the new agreement needs your signature

 

like i said

 

ime on this

 

as of this moment

 

you have no agreement with welcome

 

you have confirmation the first agreement has been cancelled and they have no sig for the second

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only a court can do that

 

or

 

welcome

 

the charge should be easy enough as there is no agreement

 

as you know

 

welcome use credit files as a weapon

 

may need some horse trading on that one or court are the only options

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Thread Locked

because no one has posted on it for the last 4572 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

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