Welcome Finance - This company needs to be banned.

[kittiej]

DH got another car (out of panic) and I've got my own so we aren't really bothered about the one with WCF.

 

There's normally another of the cars parked next to that one so it would be impossible for them to take unless they took a lamp post out on the street as well .

 

Basically we think we've paid half and asked to do a VT on this basis but then this bloke turned up and said no you still owe money, but that was just his word, we haven't had any letters to say there's money owing.

[wannabedebtfreesoon]

DH got another car (out of panic) and I've got my own so we aren't really bothered about the one with WCF.

 

There's normally another of the cars parked next to that one so it would be impossible for them to take unless they took a lamp post out on the street as well .

 

Basically we think we've paid half and asked to do a VT on this basis but then this bloke turned up and said no you still owe money, but that was just his word, we haven't had any letters to say there's money owing.

OK, I think I'm getting a little confused

The bloke turned up saying he'd come to repo??

You've paid about a half, so definitely a third then??

You asked them to VT, did they accept??

Is there a default on the account??

Is the PPI still paying the account??

[kittiej]

OK sorry,

 

Had a mickey mouse DN and termination letter which WF woman told DH to ignore and keep paying for car.

 

Couple of weeks later wrote to WF to ask to VT car as according to credit report DH has paid half now.

 

A couple of weeks after this the chappy turns up saying he's come to repo car.

 

DH hasn't paid now for about 3 months as we don't know what the situation is and what would be the best way to go forward.

[wannabedebtfreesoon]

OK sorry,

 

Wrote to WF to ask to VT car as according to credit report DH has paid half now.

 

A couple of weeks later this chappy turns up saying he's come to repo car.

 

Prior to this we had the mickey mouse DN and then a termination letter which WF woman said to ignore and keep on paying for car.

 

DH hasn't paid now for about 3 months as we don't know what the situation is and what would be the best way to go forward.

Have you made any payments since the termination??

Have Welcome sent you any reply in writing regarding the VT? It's my understanding that if there is a default on the account Welcome won't VT.

Because you've paid more than a third you don't need to keep the car on your premises. It's protected goods and they can't repo without a court order no matter where it's parked

I'm not 100% on the VT procedure but I would assume they need to give you some sort of written communication before they proceed

But then if the bloke just turned up saying he'd come to repo and there was still money owing, I would think they had refused the VT, but that's just my interpretation.

[kittiej]

Yes DH made a couple of payments (he pays weekly, or did)

 

We haven't had any communication from them so I assume they won't let him VT, but nor have they said if he paid x amount then he can. So I am dis-regarding that part atm.

 

Def paid more than a third, so it's a waiting game to see what tactics they try next. We've got to keep the car offt he road as there's no insurance on it anyway and we wouldn't want to give the Heat any reason to be able to impound the car eh.

 

Having said that maybe he's better off accepting the Termination letter and pay the arrears, now that could be interesting if they take it to court. I shall keep you posted hee-hee.

 

I'm expecting another blokey visit

Edited April 17, 2010 by kittiej

[wannabedebtfreesoon]

Yes DH made a couple of payments (he pays weekly, or did)

 

We haven't had any communication from them so I assume they won't let him VT, but nor have they said if he paid x amount then he can. So I am dis-regarding that part atm.

 

Def paid more than a third, so it's a waiting game to see what tactics they try next. We've got to keep the car off the road as there's no insurance on it anyway and we wouldn't want to give the Heat any reason to be able to impound the car eh.

 

I'm expecting another blokey visit

Well don't give the keys or log book! If they take it you will be entitled to all your payments back, the car or value of and interest.

You might as well just leave it up to them now and wait and see what they do next.

If you've made payments they'll need to send a new dn and tn before they do anything else anyway.

[kittiej]

Yes I did wonder about the DN and termination letter. I wonder if they will be rubbish as well.

 

Thanks wannabe, you've been most helpful.

[wannabedebtfreesoon]

Yes I did wonder about the DN and termination letter. I wonder if they will be rubbish as well.

 

Thanks wannabe, you've been most helpful.

No probs, Welcome have made enough people's lives a misery for too long. I'm on a mission to fight back!!

[tonyb39103]

Oh well... Do I have a story about Welcome, Mine started when I was 19 just passed my test so really wanted a car I searched the net and found welcome ACF in fact sent my details and got a response. I was well paid about 20,000 a year and thought I could afforded car finance had no other debts. I went down to take a look at the cars on offer and got blagged into buying a corsa 1.9dti, with 5 days free insurance ... sounded good to me so signed the forms and went on my way. Did I have a shock when I got home and told my parents I looked closer with my DAD and noticed I now owed them 16000 for a dull corsa with 78000 miles on the clock lol I felt like a right dumb ass.

 

So doing the right thing I kept up my payments £295 per month after 3 weeks the gearbox broke It took me forever to get it fixed under their mechanical fault insurance policy. Once done the clutch broke so I had to claim again I got to a stage where I threatened to drive it trough the showrooms window unless they fixed it “Shame on me”

I also forgot to mention the insurance was a killer £190 per month I just saw my money burning up in my bank.

So as you can imagine I got to a stage, being young were I thought enough is enough and stopped paying be honest what’s the worst they can do “Take the car back” hell I didn’t want it anyway I thought who cares “Remember I was 18-19 years old”.. So after about 3 months of non payment they called me trying the bully tactic I just laughed at them and told them were the car was and to collect it.. Nothing ever happened It was parked at the side of my mum’s house for two and a half years I even called them to chase them up about collecting it.

I must have owed them plenty of money by now three years had passed and only about three payments made add to that fees and charges, if I remember right I was about £50 for a letter or something stupid like that. Now this is where my story gets really crazy I met a girl who is now married to my friend, at the time she worked for welcome as a debt collector and she told me she does anything to get the money she even got weed of a customer as payment and put the money in from herself as payment, this my friends lost me all respect for welcome she even bragged about how she took peoples cars and left them crying at their doors...... I know it’s her job but isn’t that what Hitler henchmen said after the war...

Well the end of my story will have all you people who have been ripped off by welcome feeling a bit better.. I had the car disposed... of sent to china as scrap metal in the end I think ,then waited a year and checked my credit file and surprise surprise no debt not one entry from welcome my credit score is running at 934 at the min, I called welcome to ask about my account and they can’t find it I don’t exist in their computers... lol

What are friends for eh.......

[beyondhope]

Oh well... Do I have a story about Welcome, Mine started when I was 19 just passed my test so really wanted a car I searched the net and found welcome ACF in fact sent my details and got a response. I was well paid about 20,000 a year and thought I could afforded car finance had no other debts. I went down to take a look at the cars on offer and got blagged into buying a corsa 1.9dti, with 5 days free insurance ... sounded good to me so signed the forms and went on my way. Did I have a shock when I got home and told my parents I looked closer with my DAD and noticed I now owed them 16000 for a dull corsa with 78000 miles on the clock lol I felt like a right dumb ass.

 

So doing the right thing I kept up my payments £295 per month after 3 weeks the gearbox broke It took me forever to get it fixed under their mechanical fault insurance policy. Once done the clutch broke so I had to claim again I got to a stage where I threatened to drive it trough the showrooms window unless they fixed it “Shame on me”

I also forgot to mention the insurance was a killer £190 per month I just saw my money burning up in my bank.

So as you can imagine I got to a stage, being young were I thought enough is enough and stopped paying be honest what’s the worst they can do “Take the car back” hell I didn’t want it anyway I thought who cares “Remember I was 18-19 years old”.. So after about 3 months of non payment they called me trying the bully tactic I just laughed at them and told them were the car was and to collect it.. Nothing ever happened It was parked at the side of my mum’s house for two and a half years I even called them to chase them up about collecting it.

I must have owed them plenty of money by now three years had passed and only about three payments made add to that fees and charges, if I remember right I was about £50 for a letter or something stupid like that. Now this is where my story gets really crazy I met a girl who is now married to my friend, at the time she worked for welcome as a debt collector and she told me she does anything to get the money she even got weed of a customer as payment and put the money in from herself as payment, this my friends lost me all respect for welcome she even bragged about how she took peoples cars and left them crying at their doors...... I know it’s her job but isn’t that what Hitler henchmen said after the war...

Well the end of my story will have all you people who have been ripped off by welcome feeling a bit better.. I had the car disposed... of sent to china as scrap metal in the end I think ,then waited a year and checked my credit file and surprise surprise no debt not one entry from welcome my credit score is running at 934 at the min, I called welcome to ask about my account and they can’t find it I don’t exist in their computers... lol

What are friends for eh.......

 

 

:D:lol: I love it im sure this will raise a smile or two thanks for sharing

[mark1arby]

Brilliant!!! So Far!!! What is the `Time Line` of this So `Heart Warming` Story???

 

cheers, MARK

[Ricecake]

You just made my day..

[westlandbabe]

Hi everyone, just to give you an update. I had a 'credit guy' who deals with these unfair credit agreements etc etc come to the house today with regards to a matter I'm having with Swift Advances. Anyway, he's also going to look at my brother's Welcome issue. he said he has dealt ALOT with Welcome over this past while. Anyway, he reckons my borther is entitled to the whole PPI refund of £2,000 plus interest. The interest they were charging him was 44% and he said that would be over 6 years!! Happy days if it works out that way. The crowd dealing with it operate no win no fee and if and when my brother wins they only take 10% of the refund which I think is pretty good under the circumstances. He also said with Welcome they usually pay out within 3 months. Fingers crossed!!!

[andie_303]

Hi All

 

Just wanted to say.......guess who is Welcome free????

 

That would be ME!!

 

It's taken 2 years of hard fighting but in the end I seem to have got there - just wanted to say a big thanks to the "old welcome gang" back when this thread was in double figure pages.

 

You know who you are but to mention a few would of course include Dipply, Stewie, Postggj, BO2, Voda, Jdene and Dad of Holly.

 

Apologies to anyone I may have forgotten it is not on purpose.

 

You are all amazing

[mark1arby]

Hi All

 

Just wanted to say.......guess who is Welcome free????

 

That would be ME!!

 

It's taken 2 years of hard fighting but in the end I seem to have got there - just wanted to say a big thanks to the "old welcome gang" back when this thread was in double figure pages.

 

You know who you are but to mention a few would of course include Dipply, Stewie, Postggj, BO2, Voda, Jdene and Dad of Holly.

 

Apologies to anyone I may have forgotten it is not on purpose.

 

You are all amazing

 

Fair one and andie! Nice to hear! Must be Blessed Relief after 2 years of fighting these ****!!!

 

Give us A synopsis of your case if you would please??? I remember some of your story> And I found your opinions very helpful and informative!!!

 

Will you be around to lend of your experiences???

 

Cheers, MARK

[beyondhope]

Hi everyone, just to give you an update. I had a 'credit guy' who deals with these unfair credit agreements etc etc come to the house today with regards to a matter I'm having with Swift Advances. Anyway, he's also going to look at my brother's Welcome issue. he said he has dealt ALOT with Welcome over this past while. Anyway, he reckons my borther is entitled to the whole PPI refund of £2,000 plus interest. The interest they were charging him was 44% and he said that would be over 6 years!! Happy days if it works out that way. The crowd dealing with it operate no win no fee and if and when my brother wins they only take 10% of the refund which I think is pretty good under the circumstances. He also said with Welcome they usually pay out within 3 months. Fingers crossed!!!

 

 

Still alot when its something that can easily be done yourself (PPI)....my opinion of course

[beyondhope]

Hi All

 

Just wanted to say.......guess who is Welcome free????

 

That would be ME!!

 

It's taken 2 years of hard fighting but in the end I seem to have got there - just wanted to say a big thanks to the "old welcome gang" back when this thread was in double figure pages.

 

You know who you are but to mention a few would of course include Dipply, Stewie, Postggj, BO2, Voda, Jdene and Dad of Holly.

 

Apologies to anyone I may have forgotten it is not on purpose.

 

You are all amazing

 

Fabulous news im so very pleased for you! Give us a quick rundown just to show the newer ones it CAN be done! Congrats!!

[andie_303]

Ok very quickly and briefly as it's a very long saga and I am bound by some things I cannot say

 

*PPI of £3k on a £1.5k loan - could not claim due to a pre existing medical condition

 

* Asked to cancel and was refused - asked for a refund as was refused then was ignored

 

* Filed in court Sept 2008 - got a judgement by default and warrented to bailiffs - WFS applied and were granted set aside.

 

* Number of court dates later where they failed to provide documentation etc and were given a great deal of latitude by the judge he recommended that we come to an agreement.

 

* Agreement was reached in Oct 09 in the court house on the issue of PPI and the thing I can't talk about (but if you look back a long way in thread you make get a hint) was told WFS would send it in writing in the next few days.

 

* WFS go back to ignorance mode and I get no offer until Jan 10 - in the meantime they decide to default me - with their crappy DN that we all know is invalid and especially when they default an incorrect amount that doesn't include the settlement already agreed.

 

*Their offer has changed since Oct 09 - not by much but slightly decreased - I agree to the smaller amount on condition my credit is rectified.

 

* WFS back in ignorance mode and I hear nothing until a lovely letter from TLG last month entitled "final demand for payment" - write to them with the facts and tell them they need to shout across the office and ask WFS whats going on

 

* TLG reply we are not going to look into this start paying us - i got the email address details for a manager and to give her her due she promised that she would look into it.

 

* 3 weeks later I'm getting emails from TLG saying that WFS are not replying to them

 

* Today email from TLG - case closed my acceptance has been accepted by Welcome

 

They are gone

[beyondhope]

Excellent story thanks for sharing defo worth the wait is it this thread to read back on or did u have ur own just for reference

[Ricecake]

Hi All

 

Just wanted to say.......guess who is Welcome free????

 

That would be ME!!

 

It's taken 2 years of hard fighting but in the end I seem to have got there - just wanted to say a big thanks to the "old welcome gang" back when this thread was in double figure pages.

 

You know who you are but to mention a few would of course include Dipply, Stewie, Postggj, BO2, Voda, Jdene and Dad of Holly.

 

Apologies to anyone I may have forgotten it is not on purpose.

 

You are all amazing

 

FANTASTIC and well done....

[postggj]

Welcome To The Welcome Won Club Andie:D

 

Long Old Saga But Got There In The End:lol:

[Ricecake]

oh i so want to be part of that club Post !

[postggj]

Its Getting Bigger Now

 

We Get There In The End

 

Quickly Or In Andies Case, Drawn Out

 

She Is One Happy Girl I Can Tell You

 

Facing Welcome In Court Is An Experience To Those Of Us Who Have Done It

 

Andie

 

Send Mr P An M&S Voucher Now For A New Suite To Rub It In:lol::lol:

[pwg6565]

Well done andie !!!!

[andie_303]

Its Getting Bigger Now

 

We Get There In The End

 

Quickly Or In Andies Case, Drawn Out

 

She Is One Happy Girl I Can Tell You

 

Facing Welcome In Court Is An Experience To Those Of Us Who Have Done It

 

Andie

 

Send Mr P An M&S Voucher Now For A New Suite To Rub It In:lol::lol:

 

Don't think I can post - don't have a forwarding address if you catch my drift!

 

and as you will also know what the thing is i can't mention you will know how happy i am