im going to do that as soon as i get the copy from finance company, one of the finance reps is popping in tonight with a copy of our aagreement as i cant find it anywhere so i have to fax it to them tonight, hopefully that will work, im going to send copies of all the documents relating to law from the legal services who are sending them to me first class il get them hopefully tomorrow, i was hoping to have them today but they didnt come in post yet, thanks guys

spoke to the legal advisor again today, said to try the local authority again as they need to know that their bailiff is being unlawful, they refused to let me speak to a manager for god sake, said i had to send a letter or e-mail, so i have still no response though, what a surprise !!

thanks hadenough, your name says exactly how i feel right now had enough, i cant believe how these people get away with it, thanks so much i will do what you said if they turn up, i hope they dont though

ok fair enough, just making a point.....ps....good luck to you all with the welscum, hope you have more luck than i had

Andie303....no personal attack at all, just frustration as i said, it was being stated daily to all on here that they are doomed, every day was a countdown remember? ...welscum is finished...welscum is closing all its branches....welscum is folding...watch this space only a few weeks to go till they are gone...etc etc etc....thats what i am talking about, im not making personal attacks as I like most on here would love nothing more than to see them doomed but i just wonder where that information was sought from thats all, im not making a personal comment im purely stating that the info was misleading as they are still functioning a year later, yet the information led many to believe that they were gone, surely if that kind of info is dished out then it should be based on actual fact rather than hope, like i said, purely frustration, check out the thousands of comments and various posts, i dont see many people having anything solved much, i myself took a lot of the advice from the posts on here, I have not sat back and waited for it to GO AWAY as you state, i tried everything and got nowhere with it, obviously when i was reading that the welscum clan were going down i was happy, happy in the knowledge that it might be taken over by a competent company who treats you with respect unlike welscum have done to me and my family (turning up to reposess the car on the day of my fathers funeral even though i had called them the day before begging them to let me have a few days to call them back) i hate them with every part of me for that. I was not expecting the debt to go away that would just be silly eh ?

to andy 303 heyyyy i wasnt putting anyone down i was purely stating that i havnt seen welcome go down which was what was being promised lol, i dont come on here to judge anyone and was totally excited when i read that welcome finance was gonna be off the map, buttttt...that was a year ago and they are still going strong, i was just curious as to how that information was given when clearly it hasnt happened. I too have been ripped off completely by them so im in the same position as most poor folk on here, i did not make my comment lightly, i just seem to remember being glued to this forum 24/7 when it was being stated on here that welcome were going, like many many others on here who probably got just as happy as me to think i might be free of the welscum, i have had to refinance my car over and over, im never going to be free of a debt that started in 2004....yes thats right 2004, those b's have threatened me no end until i stupidly agreed to keep refinancing, im not a nasty person, im just frustrated that welscum are still existing, im sure anyone on here can understand that frustration, its great if someone has rarely managed to win their case but like me and thousands of others it seems we are just stuck with it..no insult was intended at all just pure hatred of anything to do with the stupid welscum idiots. rant over lol.

update...recieved another letter from JBW this morning which says; We have now obtained an update from DVLA and as a result have instructed our automatic number plate recognition !ANPR) vehicle to attend your area with a view of seizing (levying on) and removing, impounding your vehicle. This notice is not intended to delay the enforcement process. if your vehicle is located at any time either during the posting of this letter or before this letter is recieved then additional charges will be added. oh my god, they obviously havnt bothered checking to see if the car is on HP yet then, I called the DVLA and asked them if anyone could just call and ask for details about my car, he said that they could but they would have to give a good enough explaination as to why they need it and they have to wait till the information is processed and sent, he said they would not give details about the car being on HP either as they dont hold that info....by the way, not sure if it makes a difference but the HP is actually in my husbands name not mine, does this mean they are stealing the car from my husband as he is the one paying for it, the car is registered in my name but my husband has the ownership on the HP agreement., i remembered that this morning. im still waiting to recieve the info from the legal services so i hope they dont turn up and take the car today. Anyone got any idea whether i should call them, sounds silly but im worried about calling, sitting here shaking right now

p.s....im still trying to find a success story with a welcome finance rip off on here, if anyone finds one then please forward to me so that i can copy lol

correct me if i wrong, but i was on here around the same time last year and seem to remember a certain regular person on this post assuring everyone that the end of welcome finance was imminent. Well they are obviously still around a year later so why is this suppose experienced person still advising people on welcome finance shananigans?, im confused now. this person was building up so many peoples hopes by saying welcome finance are finished, but obviously this was all rubbish and told by someone who clearly lied or was just living in hope because of his own welcome problems yea ???????

HAHAHAHAHAHA THATS THE FUNNIEST FILM EVER, OH MY GOD!"!!!!! the only good thing about all the video clips was the bubble gum machine, there is no helpful communication and they certainly do not consider the customer as being important, if that were true then i would not have a rep screaming down the phone at me when they sodded up their payment dates, oh my god, he was literally screaming at me, i have the call recorded and i intend to keep it haha

awww ok thank guys, i just noticed certain comments on a few posts that seemed a bit unfriendly but i guess as im not a regular debator then maybe im not so clued up on friendly discussions, thanks a big heap though to you all

ps...i am grateful though, just need clear info that i can understand please

yea i was worried about that but the legal advisor stated that as long as i send the relevent documents that she is sending me first class then they should not pursue it. the fact that they have unlawfully tried to threaten me with the removal of the car then that should shut them up ( her words) she also said that she has the call recorded so nothing she has said can be refuted if there was any doubt, i feel that as this is coming from a legal goverment rep then the info should be within the uk law system, i hope i can resolve this soon as its causing so msuch stress, i have 3 children at school and only low income from husband who works so hard to pay our bills, we dont have any spare money so this is really difficult to dael with, i hope no one has any more dissagreements on here as i only want help that i can realistically understand and that will actually help me

oh just saw something else, thought id clarify that i am a lady not man so mr is mrs hehe, not being funny but noticed i was being referred to as mr lol

ps...to clear up the hp dispute between people on here, i still have approx 2 years left on my hp agreement, my finance company has advised me also that the bailiff cannot remove my car as it is still their property, not sure i understand the dissagreement that has gone on with my problem here but hope that helps

ok, hello everyone, thanks so much for all your advice, im not sure i understand some of it but iv had a good go lol, well today i contacted the court associated with the bailiff company, he advised me that the bailiff (JBW) are not connected to the court and have indeed acted unlawfully, i was shocked to hear him give me so much advice, he gave me a number to call for the community legal services, i called them and was then passed to another legal advisor, she was great, she confirmed what Tomtubby had said (above post) and is sending me all the relevent legal documents which states that the bailiff CANNOT take my car as its on HP, she said it was unlawful, she also stated that the charges of £395.04 was obsurd and the only cost i should be liable was for a letter which was sent to me by the bailiff, this cost is ...wait for it....£11.20...oh my gtod, how awful to think i was gonna pay so much, she said i should not pay a penny until they amend the cost to the amount it was at the time of being passed to them plus the cost of one letter, it seems these con artists would have got away with it if it wasnt for the wonderful help on here which prompted me to contact the right people, thankyou thankyou thankyou, im now waiting to recieve all the paperwork from this legal advisor and have written a letter and have also got a copy of my finance agreement to send to them as proof of HP...I tried contacting the local authority again today and they were not interested, they said theres nothing they can do as its with the bailiff now, talk about pass the buck, I even told them that the bailiff company they use is acting unlawfully but he said I f I feel this has happened then i need to write the information to them and they MAY look into it, jeeez....il let you all know the outcome once i hear from the bailiff, in the meantime thanks again to you all, how wonderful to have such kind people taking the time to help thanx x

just thought id add how i find it quite strange that they say that their ANPR van has seen my vehicle because the photograph had to be taken by someone in person in front of my front door, the photograph is of the front bonnet of the car, the car front is parked up to my front door so theres no way a van could have driven up my tiny side pathway and taken a picture of the front of my car, lol,it had to be taken by someone on foot who stood with a camera taking the shot. im sure they tell lies obviously eh ...thanks again all.

ps, not sure if it makes any difference but the letter has a heading saying High court enforcement and certificated bailiffs so i guess its gone through a court yea ?

oh ok i think i get it, well the parking fine was 50 to start with ( i know how stupid was i not to pay it then) i guess i hoped it would go away and kids and shopping was a priority, my first ever parking ticket in 20 years of driving too lol, so if i find out this warrant of execution thing ( that sounds quite scarey whatever it is) do i pay the bailiff or the council ?, when i called the council earlier they said its out of their hands now and i can only deal direct with bailiffs. I would be happy to pay the council direct but they wont take my money now its so silly, i even offered to pay the highest amount which is £100.00 if i didnt pay it within 28 days. So sorry if i sound thick, im not used to doing any of this, my husband is going mad as he thought id paid it before, oh god what a mess. thankyou for helping me . Sorry iv got my problem on 2 pages, i saw the title on here about bailffs but then started new post on another page x

thankyou so much tomtubby, thats really helpful, so do you mean i should have to pay them less than they are asking, they want £395.04 so how much of that should i pay, i havnt had a warrent of execution thing you talked about so not sure what that is ( sorry this is all new to me) how do i find out how much i should be paying, im so sorry im really confused now, i just want it over but i dont want to pay more than i should, we are a struggling family and money is tight, i am really grateful to you

ps...sorry what is a screenshot thanks

thanks DX... i called the council and they said its nothing to do with them, out of their hands now and i have to deal with bailiffs from now on, i agree they are all fraudsters but im worried they will just turn up and take it, the letter states they can come anytime from 6am and 9pm and remove it. Oh gosh im so confused what to do now, im so grateful for the advice but im scared they will just turn up and take it while we are asleep, i wont have the chance to show the bailiff the finance agreement, if i send it to them im gonna be sitting here worrying that they havnt seen it before just turning up. iv read other posts where they have done this, oh god not sure what to do. Hallow, i called council but not interested in finance, thanks so much both for advice

thankyou for reply HW...sorry if i sound stupid but what is a levvy fee and do you advise me not to pay them on friday, i am happy to pay the ticket and costs but i didnt think it would be as much as that, I am worried that if i send the finance stuff as toy say then this will take time and they might turn up over the weekend and take my car which i need to get the children to schools etc, should i still pay them and then deal with it or should i not pay and just hope they dont turn up. the woman on the phone said if I dont pay then they will add another £300.00 to the bill and charge daily impound costs. Surely when I told her that my car is on HP, she should have asked for the finance agreement, by the way the finance is with welcome finance, iv seen so much on here about them too, not sure if I should pay or not tho, what do you think, im worried as I cant afford for the amount to be doubled, then I will be in a right mess and could never pay that sort of money, thanks for your help

i told them it was on HP and the woman said it makes no difference

hi, i hope someone can advise me, i recieved a letter today from JBW bailiffs, it states: Our automatic number plate recognition (ANPR) van has seen your vehicle and instructed an enforcement agent (bailiff) to attend, seize and impound it. Once the vehichle has been removed you will have six days to pay. Failure to make payment will result in us selling your vehicle to pay the debt and fees. The letter had a photograph of my car parked on my driveway which was obviously taken at some point before the letter was sent. They are asking for £395.04... love the 4p lol, which originally started off as a £50.00 parking ticket last may. yes i was silly and forgot all about it. My question is can they do this if my car is on HP finance. i still have a few years left to pay on the finance so what happens if they take the car, is that like theft or something? I called them and explained that it was on finance but they were not interested and insisted i make half payment this week and half next week to stop action, i asked for more time to pay, like a £100.00 a month for 4 months but they refused...is this letter called a levy, im not sure what to do, i reluctantly agreed to pay them half on friday but with 3 young children and only one low income it looks like we will have no food next week, can anyone advise me please, i cannot understand how the charge is so high when all they have done is sent one letter to me. thanks so much.