hi can anybody help me in the dealings with welcome finance. purchased car in 2008 on a credit agreement and not hire purchase (there is a difference) with welcome. spends more time off road than it does on. ie engine problems, sunroof leaking and the latest broken clutch. There is only 53,000 miles on clock. tried complaining, even quoted to them they have a legal obigation which of course they have denied. Now ive refused to pay so they have constantly harassed at work, even turned up on my doorstep threatening. Really had enough of this company who are now asking for incomings and outgoing expeniture. I wish to claim all my monies back from them if I can as the car is not fit for the purpose any ideas.

hi ive had several letters come to my house over the last seven years concerning a debt with capital one. Capital one had passed over this account to several debt collections agencys. Having requested a signed copy of the credit agreement this has not been forthcoming over the years, I even received a letter stating they had not got it. Guess what, Capquest sent me a letter and ive requested the same signed copy of the credit agreement. This came in the post this morning, and its definately not my signature. I smell a fraud here!!!! as this happened to anybody else and what did you do about it?

if you have any debt that is outstanding then they are legally obliged to send a signed credit agreement of that debt. If they are not able to send it then it can't be enforced without the agreement. If they continue to pursue then it amounts to harassment, even the solicitors know that a signed credit agreement as to be in force. If they are adding charges, then this comes under the unfair contract terms. report them to trading standards because they are in breach of their consumer license, report solictors to the law society for harassment. Also obtain your credit report and have the debts removed. Turn the tables on them and make a claim against them for duress!! See if they like it.!

hello to the Consumer Action Group, what a great site. Why cant the banks just pay everything they owe.. This should be made compulsory as everything they have done is illegal.