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Welcome Finance - This company needs to be banned.


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just checked my records with experian

 

my HP was taken out for 120months of £78.22 yet my report says over 121 months at £78

 

default notice says outstanding balance 8898.86, or 6243.27 if paid in full by the date of the notice. credit file says 6522

 

so what does this mean in terms of agreements etc

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does anyone know if local branches are normally open on saturdays?

i thought mine was open mon - fri only but i noticed on saturday it was open, at first i was hoping maybe they were packing up! but thinknig about it, it could have been because it was 31st and they were trying to get some more money for month end?! dunno, just wishful thinking perhaps :)

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hi there grumpymoo

as far as i know they dont open on the weelend but funny enough we were pestered via telephone saturday morning.

harassment letter has now been mailed.

regards:D

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Hi there Edwi,

 

Have just sent my dispute letter off and am expecting lots of telephone calls very soon, can you please post harrassment letter at your earliest convenience so i have it ready to send.

 

Thanks

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Hi, I'm new , wanted to start a new thread but not sure how ??

I need some help with welcome finance any info will help.

 

I purchased a car july 2006 the car was worth approx £6000. I was also sold ppi, earlier this year the gearbox went and I had to pay out £1000 to get it repaired. I am also struggling to make repayments. I just want out but the settlement figure is higher than what i owe. They are also saying I am behind on payments , I have only missed one , they say 4. I asked for a copy of my payments 3 months ago yet it never turned up. My ppi agreement doesn't even say how long it covers me for !!! Surely my mechanical brakedown cover should cover the gearbox but they say it's run out. Is there a way I can fight them , somewhere along the line it must be wrong. Please Help !!!

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Hi Fraggle,

 

welcome to the forum, am assuming that the insurances were over 36 months but I bet the repayments were over 4 years or more.

 

This makes me think about the insurances & I would like to know the answer too.

 

If they get you to take insurance out on it you should be covered for the duration of the HP. We need a contract expert to answer this one but I am pretty sure there must be something in it. Surely they cant charge interest over 4 years if the cover expires after only 3.

 

Can anyone answer this question ?

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hi dantripled

here is the harassment letter

regards

 

Your Street

Town

City

Postcode

 

 

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

Re: Harassment by telephone

 

 

ACCOUNT NUMBER: XXXXXXX

 

Dear Sirs

 

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

 

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

 

Yours faithfully,

 

 

 

[NAME HERE]

.

.

 

© Reclaim the Right Ltd.

.

.

.

 

************************* ***********************

 

This should do the trick, but, if it doesn't, keep your cool and report them to the Office of Fair Trading and your local trading standards office.

 

PLEASE REPORT ABUSE.

 

Remember, keep your cool at all times, don't be intimidated by a piece of plastic, if you don't like what you're listening to, put the phone down - and remember the most important thing of all is to put and get things in writing at all times.

 

Additionally, complain to OFCOM - How to complain | Ofcom

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Hi Fraggle,

 

welcome to the forum, am assuming that the insurances were over 36 months but I bet the repayments were over 4 years or more.

 

This makes me think about the insurances & I would like to know the answer too.

 

If they get you to take insurance out on it you should be covered for the duration of the HP. We need a contract expert to answer this one but I am pretty sure there must be something in it. Surely they cant charge interest over 4 years if the cover expires after only 3.

 

Can anyone answer this question ?

dont know about anyone else mny original loan was for 4 years but insurances were only 2 years

also

my branch is open the last saturday of the month

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dont know about anyone else mny original loan was for 4 years but insurances were only 2 years

also

my branch is open the last saturday of the month

 

 

Im currently trying to reclaim my insurance premiums paid + interest. My Mech Breakdown was for 24 months yet my agreement is for 48 months.

 

Plus they never sent me the insurance documents, so I requested them and using the "30 day cancellation from receipt of documents" clause in their agreement to cancel and reclaim everything I have paid for it.

 

Still awaiting a reply.

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Hi, yes my agreement is for 4 years and cover was only for 2, I never recieved any documents, only the paper I took that day, I even had a panic on the day I bought the car, I got home and thought I hd made a mistake so rung them and tried to cancel the whole contract. I was told I had no cooling off period and it was final. Tha original contract was rubbish. It has all theese figuress on it and then the small print says for example only, I'm soo mad. Surely they can't charge interest for something that has expired. What should I do ? :evil:

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hi there grumpymoo

as far as i know they dont open on the weelend but funny enough we were pestered via telephone saturday morning.

harassment letter has now been mailed.

regards:D

 

I had a visit at 8:30 in the morning a few Saturdays ago... my OH answered the door and told him I was in bed!

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id like to say whilst you big heads been up your arse about how fantastic your own financial status is you seem to have forgot that its the likes of us muppets that keep you in your job in the first place, and your job isnt so great you sit in a ****ty office at a ****ty desk ripping people off all day, i would sooner flip burgers or clean bins if it meant i could sleep at night, but then again i have a conscions, unlike you, you would probably rip your own mother off if it meant getting a nice bonus at the end of the month.

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