Hi Post I have SAR'd the whole lot... dealership, DG, NU, WF... ...and all of them are coming very close to failing to comply (about 5 days left). I have also had a final response from welcome regarding the misselling issue and yesterday found that my complaint had been closed and marked as resolved by the welcome muppets... ...thats why i ask, am i now in a position to put the account into dispute while contacting FOS... Cheers

Hi all I have insurance on my welcome finance agreement that i believe was misssold, i have just V.T my vehicle but welcome are arguing i owe them over £1000 for insurances. I agurged that these had been missold (trust me they had). Welcome have since sent me a letter saying that the issue is not with them because i bought the car from a dealership and therefore my issue is with the dealership...Is this the case or can i put the account on hold while i complaint to the FOS Please can some one confirm my position... cheers

lol, thanks for your help dipply....but i give up:eek:

hi all, is there a specific tempate that you can use to send to welcome to start a reclaim of missoln PPI please and if so where... Cheers

Hi Post... Any news on the agreement yet please:confused:

hi post ggj sending you something via private message will you take alook cheers

It seems this is a very arguable issue at the moment see the previous post by POST GGI, I too want a definitive answer on this...but may not get one, are you sure the bar stewards haven't workied it into the agreement because if they have then they could argue it is declared... ...i think...

thanks ste, nice too know the forums protects its members from the enemy... your ok leaving it out post ggi has all the info now cheers

Ta.

And the commission issue, have they managed to sow that one up... cheers

My current position (thanks to you post and the forum as a whole) SAR'd every M.F:D (garage, wf, nu, dg) CCA requested WF Have v.T the agreement but they say i still have to pay £1700 for outstanding insurances (originally) since my SAR request this has strangey dropped down to around £1000. I cancelled my DD and put the account into dispute. (cheeck barsturads then said thewy would default me for the insurances i didnt know about and had to keep the agreement open...i haven't:D Went to hand the car over but have knocked back the garage that was coming to collect it after he guarenteed that RAC would not inspect car at auction (they dont come out now to the home) but when i phoned welcome they said it gets examined at auction...yea right...screw that) went to see the car garage and after some few heated exchanges i think i might be able to get them to play ball re the commission issue, will be able to confirm this monday when "the boss is back off his holiday" ...but honestly i expect the run around... Can i nail them in court is my big question

Here you go POST [link removed] http://i614.photobucket.com/albums/tt225/welcomefinancewarrior/agreement1.jpg much appreciated

lol i sent you it twice over last 21 days but didn't want to pester you and seem impatient, i know running a private conquest can be tiring... will post it on here 2 secs There is an "Acceptance Fee" on the agreement at £195.00 2 secs

Mind you I'm starting to worry now because the acceptance fee on my actual agreement is £195.00 and the "fee disbersmemnt" on the High puchase statement is at £195.00 could they arge that i had written notification by virtue of the fact that it is on the agreement or is the accpetance fee on the credit agreement something else

plus look at the random ad hoc fee... has this been rolled onto the balance and subject to interest... Is that allowed:D isn't a fee a fee and not subject to interest, furthermore nobody ever discussed with me an ad hoc fee... ...oooopppss how silly of me, what a silly billy nobody told me about insurances either... Oh well Can some one please give me some advice on how to proceed... I would very much enjoy hitting them hard and fast with maximum impact in terms of financial damage and reputation (whats left of it) Please advise