Hello Post here are the links finally!! http://i605.photobucket.com/albums/tt133/suritaw/1stagreement.jpg http://i605.photobucket.com/albums/tt133/suritaw/1stagreept2.jpg http://i605.photobucket.com/albums/tt133/suritaw/2ndagreept1sarcopy.jpg http://i605.photobucket.com/albums/tt133/suritaw/2ndagreept2sarcopy.jpg http://i605.photobucket.com/albums/tt133/suritaw/repoletter.jpg http://i605.photobucket.com/albums/tt133/suritaw/withoutprejudice.jpg I really appreciate your input

Post, I've just noticed something- I got out the original of the 2nd agreement cos it's marginally more legible than their copy from the sar and they haven't signed it but the one they sent me in response to the sar is!!

Thanks, I'll do that just now. The 2nd agreement is barely legible at the best of times tho!

Hello, They have sent some things in response to the sar which included the cca's. I didn't bother sending one in the first place because I still had them. I have previously corresponded with Ruddington, all by recorded delivery but it seems they pick and choose which letters they acknowledge and which they don't! I've checked my credit file and counted the number of payments I've made on this agreement just to be sure, and strangely it turns out that I have paid exactly one third, however I also paid more when I had the first agreement which has been settled when I took out the 2nd one. So in total I have paid well over one third towards the car but I suppose that doesn't count and the current agreement is the only one that is valid. Thanks so much for your advice, I severely appreciate it!

Firstly can I thank you for looking in, I've been following the Welcome war for some time and I'm honoured to have your input x 1) I have a "Without Prejudice" letter dated 4th Aug referring to a Notice of Default issued on 16th July which I did not receive nor is it showing on my credit file. It says the account has been terminated and the balance is payable in full and they may repossess or apply for a court order without further notice. 2) I have both the agreements I signed and the copies they sent in response to the sar 3) I have loads of documentation about the insurances and they have Welcome's name all over them, there is nothing anywhere on anything about "Windsor Finance" Thankyou for your support

I haven't actually spoke to them so I don't know for certain that they came to repossess, there is a phone number; should I call them?? I'm fairly sure they'll be back so I just need to know what to say or do and what my rights are. OK, I've just been looking through my agreements and I have to say that I am totally confused!!!?? Lots of figures don't add up, the agreement is for 72 months but it says 73 on my credit file?? I originally took out a hp agreement in June 2006 for a car costing £3499. It says on the agrrement that the car cost £3999 and I paid £500 cash deposit which I absolutely did not do!! Then they piled on the insurances which they told me I had to have or they could not agree the finance!!! Anyway, after paying for a year my husband became disabled and I was forced to give up work to become his carer. Needless to say; my insurances were worthless! They told me they could reduce my payments by reducing the interest rate, I was obviously in such a state I agreed (stupid I know!) and I then discovered I'd signed a new agreement minus insurances!!! I took the modified agreement in May 2007. Apparently my new agreement is for a cash price of goods £4625 plus masses of interest, acceptance fee and option fee. I have paid for a further 24 months equating to exactly one third. Then after 5 months of them messing around with my PPI complaint I stopped paying in June this year until they sorted it out satisfactorily. Funny how quick they want to sort things out when you stop paying!!! I sent a sar but there were a lot of things missing so I wrote back saying they had not complied fully and to send me what I wanted. Guess what? They ignored me! I did get a phonecall offering to take the amount of the PPI off my balance, I replied in writing saying thanks for the offer but what about all the interest on that money too. Suddenly there is absolutely no record of that conversation ever!!!! The lying sods totally denied making the offer! I don't see why I should play fair with them when they are nothing but deceptive cheats!! Sorry about the soapbox rant, I just couldn't stop. They are still refusing to pay out saying that it wasn't them who sold me the insurances! So I say "but I'm paying you, how can you be taking money for something you didn't sell me??" Apparently some other company; Windsor Finance sold it on their behalf. I just don't understand any of this nonsense, apart from the fact that they are robbing gits who forced me into borrowing more money when I went to them to say I was in financial difficulty. Please can somebody tell me what my rights are and what I should do next please???????????

sorry it's actually a really long a complicated issue! Been scrapping with them since the start of the year. I thought it went without saying that their agreements were a pile of poo! and yes mine is too

Sorry I forgot to mention it was a car! Can they take the car without giving me any notice though??

Hello! Just had a visit from some dubious characters supposedly working for Welscum. It was actually my partner who answered the door and had the forethought to tell them I was out when he noticed their clipboards with 'Welcome Finance' written on"! They left a very strange letter headed L&E Receivables containing no address just a mobile number urging me to contact them as a matter of urgency as the account has been terminated as required???? I have paid more than a third but haven't paid for 3 months due to non compliance of sar and PPI issues Please help!!:?

Hello, just wondered if you got anywhere with this?? I'm just about to request charges from Barclaycard myself and fear they may try the same trick!!

Oh I see now, thank you very much for clearing that up for me. I'll just sit tight and see what happens then!

anyone speak bank language????

sorry to be dumb but could anyone translate the abbreviations on my last statement please???? CHGOFF DS UNPD FC (M) CHGOFF DSFS (MANUAL) CHGOFF PURCH FEES CHGOFF CADV UNPD FIN CH CHGOFF PRCH UNPD FIN CH CHGOFF CADV PRIN BAL M CHGOFF PRCH PRIN BAL M They all had figures next to them which totalled the balance?? Many thanks in advance x

The thing is I want to claim back my charges but I've heard alot on here about b/card forwarding them to the dca. So if the account is closed and I don't have a NOA then I was hoping for a cheque??? Also, according to CSL, if b/card really do have a zero balance from Feb then they'll have to refund me the £300 I've apparently already paid!! CSL "do not purchase this sort of debt"!!!

I asked them that and they said they've given my b'card number too! Their answer is that someone in my household is doing the honourable thing and paying it for me! So I say; "well my children are 4 and 6 and I find it highly unlikely that it's one of them!" ha ha!

wow thanks for the prompt reply!! Credit solutions say they haven't bought the debt though they are just collecting on behalf of Barclaycard. I didn't get a letter from CSL I just answered the phone all prepared to say no CCA no payments etc!! Apparently I've already paid £300 and they are receiving the £50 on the 9th of each month by standing order?

Hello everybody! I have previously enjoyed the wealth of knowledge available on CAG, but now I'm totally confused!!!! OK, I sent an SAR to Barclaycard to which they responded with all my previous statements. However there were no more statements after March 2009. The Feb 2009 shows some really bizarre figures and equates to a whole load of credits effectively writing off the balance!??? The March 2009 statement shows a zero balance and there are no further statements. Just to add even more bizarreness to the pot; I have recently being getting telephone calls from Credit solutions asking me to pay off the balance in full as the £50 p/m I have been paying is not sufficient. Funny thing is....I have not been paying £50p/m nor have I paid anything to anyone!!! I certainly did not pay off the account in full as the account is still in dispute due to no CCA! I have tried to call Barclaycard but can't get through. Any ideas would be very muchly appreciated just to shed some light on this mystery