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    • Lets put this into perspective. You wont ever get £1000's out of them most def not the £15k? you are after..wont happen even through court.   And if you dont get written evidence they knew but stupidly did it all on a phone without recording your calls up creek are you. Your word against a powerful bank.   If your pp account were to be sorted is your business one that would recover? And why didnt you simply open another pp account with differing details using another bank ac and link that to your business?   Dx
    • Hi i took out a contract back in May with Vodafone for superfast fibre 2, My speeds have been up and down all the time one moment the sync speed is 76mb then it goes to 33mb then back up to 76mb other providers in the area like BT, PlusNet, Sky or TalkTalk can only provide me with 33mb maximum apparently but Vodafone was adamant they can provide 76mb so i thought ok ill take your word for it so since may the internet has been working perfect no complaints, lately its absolute crap you speak to them on the phone and its the usual rubbish change your WIFI channels, take the face plate off your socket. I'm an internet engineer for a company called hyperoptic so I know a lot about routers and all that so its nothing knew to me you tell them you've done all this and they just repeat themselves over and over then tell you to see how it goes with the plate off may I add makes no bit of difference at all you call them back and the same rubbish is said all over again, When i complained first time about the half speed drop to 33mb they came back with this is all you can get in your area when i asked them why sell me a 76mb package if you know full well my line cant handle over 33mb as usual get told ill get a 3 pound discount for the duration of my contract which disappears once they boost your speed back up to 76mb then few weeks later your back to square one again. Tonight my speed is running at 3.5mb and 15mb upload webpages don't open and videos buffer all the time, i honestly think its the crap routers they supply to which you cant place into modem mode to use your own 3rd party router.   Is there anyway i can get out of this contract
    • Hi everyone, any help anyone can offer would be appreciated.   I purchased a bag for £375 + £8 postage from an individual via Depop. I’m not that familiar with the Depop service but the transaction wasn’t completed via Depop’s checkout just via messages with the seller on the app.   The seller posted the item a few days later and sent me a tracking number, and the item says delivered but it hasn’t arrived with me. When tracking online and asking for more info online it says the tracking number and delivery postcode (my home address) don’t match and the website doesn’t offer any further help. The online chat function is a bot and frankly useless and there is no phone number to call.   The seller can’t show me any proof that the tracking number marries up to my address (they sent me a photo of the box but that’s it) so feel at a loss and very silly (and sad).   I don’t have the seller’s postal address, only email and phone number, but can I (should I) make a claim via small claims for the without having a physical address?   I have asked the seller for a refund and advised they have to make a claim for compensation as the contract of sale (postage cost) was with them and the delivery company.    Thank you everyone. 
    • Its a common situation HB ... In how many laws broken how many times - yes somewhat complex   In caring and supporting your own its quite simple and straight forward It enables the younger members to work and school, while giving care to the older members, who have mainly lost their prior anchors - Nothing strange ... although Johnsons' monsters seem to be unaware or uncaring ...   Any in such a situation will of course have ALL their owns health and safety as the paramount consideration.
    • Jeez that's complicated. 😕
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Welcome Finance - This company needs to be banned.


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Hi Guys,

 

My agreement is a rewrite too in order to reduce the monthly repayments from £279.79 per month over 48 months(APR 26%) to £139.09 per month over 72 months(APR 13.10%)

 

It was rewritten in February 2008 and the original agreement was in October 2007.

 

See: http://i653.photobucket.com/albums/uu257/Voda/DSC08253.jpg

 

After looking at the agreement, you can see that The Total charge for Credit of £2975.02 includes the Acceptance Fee of £75.00

 

Ther Total Amount of Credit is £7039.63 plus the total charge for credit of £2975.02 = £10.014.65 divided by 72 = £139.09 per month.

 

So I see nothing wrong with the agreement and surely Sol your agreement looks fine too.

 

Sol's Agreement is laid out exactly like mine:

 

See below:

 

scan0002.jpg

 

 

 

On the back of my agreement, the small print states:

 

ACCEPTANCE FEE

 

In order to ensure as far as possible that you will be able to meet your obligations under the Agreement, we will review your income and expenses, including any current indebtedness and other outgoings. The Acceptance Fee will be charged to you, by being included in the Total Advance, to cover this credit counselling. If you wish, we will also provide you free of charge with a medium and long term financial plan.

 

Hi Voda

 

Yep the agreement is fine as it is. What other information is on the back? because mine is a copy, i don't have it.

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Acf Is An Independant Micky Mouse Car Dealers.

They Get The Finance Through Welcome, The Funding Corp, Or This Is For The Old Hands, Forthright Finance.

Other Dealers Were Ucan, Yes Car Credit, Approved Car Finance, Etc

 

There Are Very Few Actual Finance Companies

 

Do You Have Your Actual Welcome Agreement

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Hey Dipply

 

Was wondering if you could take a look at my other agreements I posted them earlier its post 2589! Just want some amo for the ****s when I call them tomorrow! If theres anything at all

 

Thought I'd ask now before everything goes mad a 9pm when Glouc returns haha

 

 

I've got one........ask him how the job hunting is going:lol:

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Hi Sol,

 

How are you?

 

Well I trust ....:)

 

On the Back of my Green Copy which is headed Terms of Credit Agreement Regulated by the Consumer Credit Act 1974, it has the following 6 Sub Headings:

 

1) THE LOAN INTEREST AND REPAYMENT

2) ACCEPTANCE FEE

3) OPTIONAL PAYMENT PROTECTION INSURANCE

4) DEFAULT, EXPENSES AND APPROPRIATION

5) GENERAL

6) USE OF PERSONAL INFORMATION

 

There are further sub headings in these 6 headings.

 

All seems pretty standard stuff to me although I am no expert on these matters.

 

Nitey nite

 

Hi Voda

 

Yep the agreement is fine as it is. What other information is on the back? because mine is a copy, i don't have it.

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Hi Sol,

 

How are you?

 

Well I trust ....:)

 

On the Back of my Green Copy which is headed Terms of Credit Agreement Regulated by the Consumer Credit Act 1974, it has the following 6 Sub Headings:

 

1) THE LOAN INTEREST AND REPAYMENT

2) ACCEPTANCE FEE

3) OPTIONAL PAYMENT PROTECTION INSURANCE

4) DEFAULT, EXPENSES AND APPROPRIATION

5) GENERAL

6) USE OF PERSONAL INFORMATION

 

There are further sub headings in these 6 headings.

 

All seems pretty standard stuff to me although I am no expert on these matters.

 

Nitey nite

 

Stressed out with Welcome lol

 

Thanks. I might do a CCA request to get the info from the back of the agreement, not that it'll be worth much.

 

Nite

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Share Price 4.75 Whats Happening Here!!!!!

day traders making a quick buck while its on the up soon as it starts falling they will sell, hopefully cattles will have to make an anouncement soon, but im thinking they gonna get off witha re-shuffle:mad:

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Share Price 4.75 Whats Happening Here!!!!!

 

 

Dont even look at it!! its way way to depressing!

 

Just leave them be, the traders deserve to make the bit of money considering alot of them bought in at +10p they are making little bits of money back.

 

Dont grudge the investors, grudge the people sitting at the top getting away with murder in a way.

 

Stewie

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

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day traders making a quick buck while its on the up soon as it starts falling they will sell, hopefully cattles will have to make an anouncement soon, but im thinking they gonna get off witha re-shuffle:mad:

 

 

Someone leaked something somewhere. Volumes were so low previously,

this is either the work of some serious shorters ramping the price to wait for a BIG fall. Or someone has passed some critical infomation out in the market and now its created a buzz.

 

There is NO way in hell this is normal media speculation. Ive been watching this POS for way to long!

 

Stewie

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

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day traders making a quick buck while its on the up soon as it starts falling they will sell, hopefully cattles will have to make an anouncement soon, but im thinking they gonna get off witha re-shuffle:mad:

 

 

I hope your right tigga. im a bit confused about what will happen to them. i thought they were in so much debt and trouble that the creditors will take them and strip them bare of all current assets, including the loan book to clear there debt. i would not have thought there would be anything in the coffers to finance a re-structure.

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Share Price 4.75 Whats Happening Here!!!!!

 

It's only cos the markets had a good day in general yesterday - it won't continue they have to announce soon - but we should all just be focused on ourselves anyway.

 

Who gives a hoot :D

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day traders making a quick buck while its on the up soon as it starts falling they will sell, hopefully cattles will have to make an anouncement soon, but im thinking they gonna get off witha re-shuffle:mad:

 

TIGGA

 

RE-SHUFFLE WOULD THAT BE A RE-STRUCTURE OF THE BUSINESS

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I personally think they have been thrown a life line somewhere and markets have got wind of this and are going to rape this share to bits.

 

Either that or this is the biggest dead cat bounce in history!

 

If they dont go t*ts up then it will be a tougher Welcome that comes out the other end. Alot has been made of the lack of collections and re-writes so we have to ensure we have our sh*t together because they are going to be hungry after this.

 

And investors wont accept poor performance from them and they will have to show results, hence the collections are going to get very aggresive going forward. WATCH OUT!

 

Stewie

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

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TIGGA

 

RE-SHUFFLE WOULD THAT BE A RE-STRUCTURE OF THE BUSINESS

 

yeah but in a much smaller format than now, rumour states may 5-10 branches but dont know how that would work when they have no money to fund any new business, thats just my opinion tho, like andie said lets concentrate on our own fights, and see what cattles anounce or toilet & douche anounce big losses ,fingers crossed

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yeah but in a much smaller format than now, rumour states may 5-10 branches but dont know how that would work when they have no money to fund any new business, thats just my opinion tho, like andie said lets concentrate on our own fights, and see what cattles anounce or toilet & douche anounce big losses ,fingers crossed

 

 

Its all speculation. Dont take what you read on the boards to heart.

 

You have a company with a loan book of £2.5 billion running from 5-10 branches. No way. They even spoke about door step collections taking over collecting. Thats not going to happen either.

 

They will downsize to properties they own. Not many.

 

I just know witht he re-shuffel the targets are going to be highly aggressive.

 

Stewie

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

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considering everything they cannot survive.... but if they do - they do. in the meantime lets just do whatever damage we can to them and drag there name through the courts.. and of course get some of our monies back

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Who would take over such a corrupt and greedy company? Someone more corrupt and greedy?

 

They can be as aggressive as they like,they still have to stick within the law.

If people's agreements are iffy, if insurance is iffy, nothing changes.

The only thing that does change...perhaps...is the person dealing with the problem.

 

Sigh... but I so wanted to see them fail .... damnit :p

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Who would take over such a corrupt and greedy company? Someone more corrupt and greedy?

 

They can be as aggressive as they like,they still have to stick within the law.

If people's agreements are iffy, if insurance is iffy, nothing changes.

The only thing that does change...perhaps...is the person dealing with the problem.

 

Sigh... but I so wanted to see them fail .... damnit :p

 

We only represent such a small percentage of Welcome customers I dont even think we would make up a fraction :roll:

 

They collect something supid like £80 million a month on repayments. its those people who are not informed of thier rights, and possibly sitting on agreeements that are worth more as wall paper than a contract.

 

We can fight a good fight but Welcome are a good rival!

 

And on this parting note. Never under estimate the power of the short sellers!!! Like I have mentioned before. They are the pond **** of the stock market, they can make crap look like gold with diamonds incrusted on it! They break companies like Welcome every day.

 

 

Thats me, off to have a coffee and ciggy (Yeah I folded, im weak)

 

Stewie:-D

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

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does anybody else find it a bit strange that gloucs has dissapeared....i reckon that was a bit of calculated fishing for info

 

 

A bit? Thats the 3rd one we have had on this thread alone.

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

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They collect something stupid like £80 million a month on repayments.

 

Thats one hell of an amount of money!!

 

 

 

Thats me, off to have a coffee and ciggy (Yeah I folded, im weak)

 

Lol, I have been tempted I will admit.

Stewie:-D

 

....

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