an account becomes statute barred after 6 years if you havent been in touch ie acknowledged the debt or made any payments and they havent chased you for the amount, so i would just sit tight and let them hang themselves

do they have to send me a letter saying the account is closed as statute barred by law? as i havent received any letter from them yet i have from different DCA for different debts

i did my compo before fsc got involved so it was welcome who pid my account £3500

my compo came from a 1st loan that was paid off in 2007 and my current one which i thought was a bit naughty

from my personal circumstances i had £800 arrears but had a default lodged against me so the compo was lodged against the arrears and the rest was put on the account, i was told this is what they do when u have a default to protect themselves against furthwer defaults nothing i could do as they refused to pay out unless i agreed to it

personal opinion when i won my compo it infuriated welcome and my account manager has been nastier than ever. didnt even get the money in my pocket it went on arrears and advance payments the choice has to be yours but personally with hindsight i would leave sleeping dogs lie

if it is welcome then then the advert should be xxxxxxxxxxxx sell it for 3 times the value

I know its a bit out there but has anyone else noticed the similarity on the banners between welcome car finance (nice green writing on baNNer) and we buy any car,com same green banner??/ either that or i will start seeing little green men cause welcome are stressing me sooo much!!! Lol

the interest was added on at the beginning, the original loan was £12400 then interest making £1352

yes it was a rewrite of a car loan and was put on 0%, does that matter?

£13525 total amount £161.02 per month 84 months term paid 52 months

I asked for a sttlement figure on my car loan , i owe £5046 and they offered me.......£5046 will not take a penny less as have had a directive from up high to get the maximum bloody cheek when questioned further as to why other creditors have taken offers he just replied that they were unsecured loans not car loans??????? Does that make any sense to anyone else?

no its was over the phone

not according to the knob at welcome office in gillingham

done sar claimed all ppi and charges back i did offer 3500 to clear my balance of 5000 which i thought was a fair and reasonable offer but apparently not

i hae paid over 2 thirds of the car but i had a default notice last year which is now clear so cant vt will try a letter to head office

my question is has anyone recently been allowed a f&f on a car loan from welcome and if so what sort of percentage are they accepting, its just ive been told by the idiot at the Gillingham office that they are not allowed to accept even a penny less than the settlement figure and i just want rid of this loan but i cant afford the £5000 i still owe on a car now worth approx £1800thanksLouise

i wondered why when i got my £3500 ppi refund it came off the balance of my hp loan and not into my own bank account even though my arrears where £850 they still took all the refund

still waiting for my letter saying they arent taking any further action and the debt is closed,,,,probably have to wait forever

what will the oft and ts actually do

funny enough i did actually record him on my mobile

thanks

OK SO THE BOYS AT GILLINGHAM OFFICE NAMELT ROLAND RAT HAVE STARTED ON THEIR SILLY GAMES. I ORIGINALLY HAD A REWRITTEN LOAN FOR MY CAR AT £13500 3 YEARS LATER AND A PPI REFUND THE TOTAL IS NOW £5056 plus ive got a default on the account which is satisfied im still out of work and my husband is on long term oncapacity benefit so roland sent me a income expenditure which i have duly filled in but hes asked for bank statements? now excuse me that info is personal and i donot feel confident sharing it with welcome after all none of my other creditors have asked for them and have accepted my minumum payments and we are talking large amounts of money question is , do i have to comply and gove the statements to him to get a reduced payment in place? thanks louise xx

i know i love it and i dont feel guilty...SOD THEM!!!!!!!

well a quick update, received 2 letters from global today 1 for each so called debt saying they dont know of any reason why ive with held payment to them!!!! so i decided to call them to really wind them up nasty arrogant jumped up piece of crap came on the phone started by saying he knew i had no intention of paying that i had deliberately moved and not informed my creditorsand that i was nothing more than a fraudster??/ how dare he so when i could get a word in i asked if he had received my recorded letter to which he replied yes and i suppose because u have got the law on yhour side you arent going to pay then started again being really abusive and angry so much he was actually stuttering and calling me by my maiden name and married name also saying depends on which name are u using today???? when i calmed down i asked if he was sending a letter confirming they werent taking further action at which point he put the phone down on me CHARMING moral of this , if these unscrupulous people contact you dont give in to them stick to your guns and remember they can do nothing if SB