Urgent advice needed! Welcome sent repo agents!!

[wannabedebtfreesoon]

but would I get my car back?? My car is more important to me than the money. If they take it might they auction it off before I get chance to take them to court over it??

[postggj]

the last person welcome did this to got eight grand back and a second cheque for eight grand as welcome had allready sold the car to replace it

[postggj]

you are entitled to all payments back plus 8%

the car would be classed as a gift and if allready sold, welcome would have to replace it

 

it took this cagger three months from start to finish

[wannabedebtfreesoon]

Post would you just be able to clarify something for me please? I have so far paid about 5K since the beginning, however when they modified the agreement there is a new figure that is "the third" that totally disregards any other payments made on the first agreement. how much is a third????

[postggj]

have i seen the original and modified agreement yet

[wannabedebtfreesoon]

yes I posted them all up right at the beginning, and where do I stand with all this commission nonsense now too???:-?

[postggj]

ill have a quick nose

[postggj]

ill deal with this when i get in from work:)

[wannabedebtfreesoon]

Thanks Post, I'll be ready. Properly fed up of this cowboy outfit now

[wannabedebtfreesoon]

Hello, any developments yet???

[wannabedebtfreesoon]

Please could somebody point me in the right direction???

 

Everything's gone quiet on the Welcome front; no letters, phonecalls or repo agents knocking at my door!

 

I checked my credit file and they have registered another month in arrears but no default so does that mean they can't repossess?? without a DN??

 

I've also sent letters requesting compliance with sar and refund of ppi, (recorded delivery of course), they haven't acknowledged receipt or replied and the time is now up.

 

Is there a template letter for FOS complaint somewhere and how can I enforce compliance with sar??

 

Also should I be sending a letter to someone regarding the commission they say they don't give?

 

Many thanks x

[wannabedebtfreesoon]

anyone any ideas please?? :?

[wannabedebtfreesoon]

bump??

[wannabedebtfreesoon]

Just had another visit from the repo man!! This time I managed to be in when he turned up, unfortunately for him he didn't have a court order to hand to enable him to take the car off private property.

 

I did manage to get a copy of a letter he had from Welcome stating that they were the legal owners of the vehicle and that they had served all the statutory notices under section B7 (1) of the Consumer Credit Act 1974.

 

I haven't been served any notices and the account is still active according to Welcome updating my credit file!!

 

Also he has a figure showing a balance on the account which is a different figure to what is on my file.

 

Welcome are still ignoring my letters.

 

Any clues on where to go next???

[Ell-enn]

Hi, even if the repo man did have a copy of a court order, the only person able to actually repossess the car off private land is a County Court Bailiff - so if it's parked on your drive he can't take it without your permission (and you're not going to give permission are you).

[wannabedebtfreesoon]

Most definitely not! ha ha!

Thanks for the reply, do you think I should do anything about them trying to repossess a car without serving any notices or terminating the account?? It's all getting so confusing now; they've done so much wrong I don't know which one to start with!