Welcome Car

[postggj]

hi louisd

 

may be wrong but is seems you still have ppi etc on the 2nd agreement

the one you thought you cancelled

 

do me a favour

 

cut and paste the links

 

repost the links for the first and second agreement

did you dig out an up to date statement

did you contact direct group

[louisd77]

Hi,

 

All the documents.

 

img003.jpg picture by louisd77 - Photobucket

 

img004-1.jpg picture by louisd77 - Photobucket

 

img001-1.jpg picture by louisd77 - Photobucket

 

img002.jpg picture by louisd77 - Photobucket

 

img005-1.jpg picture by louisd77 - Photobucket

 

Thanks,

 

Louis

[postggj]

ok louisd

 

i reached a decision but i know its going over old ground but confirm the link for the second agreement

 

is it link 2 or 3

 

i know its 2 but confirm

 

what month did you sign new agreement

[louisd77]

Hi,

 

3 & 4 are the new agreements signed on Sunday February 17th 2008 & I signed the original agreements with the PPI on 15th February 2008.

 

Louisd

[postggj]

hi louised

 

remember, this is my opinion and mine only based on experience, and believe me ive been on meny welcome threads.

 

this acount needs to be put into dispute

 

the figures do not add up

 

 

have you considered doing a voluntry termination on the agreement

 

you hand the car back and walk away from the agreement

 

as you have paid more than half, under the cca, you can do this

 

you have been shafted as usual on the first agreement being transfered to the second

 

dont get me even going on the insurance racket

 

it will be no way jose on this

 

welcome

 

thanks but no thanks

 

I FEEL IF YOU TAKE WELCOMES OFFER, IT WILL CANCEL OUT THE PREVIOUSE AND ITS PROTECTION

 

ill be with you all the way but at the end of the day

 

ITS YOUR CHOICE

[louisd77]

Hi,

 

Thanks for that.

 

I am not going to sign anything & will ask for the agreement to see if they have it. I will go for the account in dispute. There is know way that I am going to pay a further £11250, it's too much.

 

I will let you know what response I get from Welcome tomorrow.

 

Thanks,

 

Louis.

[postggj]

What You Need Is A Copy Of The Latest Agreement And An Up To Date Statement

 

Ask Them And They Will Print It Off If They Have Them

 

You Are Doing The Right Thing In My Opinion

 

Dont Let Them Bully You

 

Like I Said

 

Ime With You All The Way

[louisd77]

Hi,

 

I can pick up a copy of my agreement tomorrow but Welcome need a decision by 5pm. They have told me I can VT if I want but I would have to pay the remaining balance.

 

Louis

[postggj]

Hi Louise

Welcome Are Talking Rollocks

 

Once You Do A Vt, You Will Owe Nothing On The Car

 

 

There Are No Insurance Products Either

[postggj]

Welcome Seem To Be Giving A Lot Of Presure On You To Sign A New Agreement

 

I Wonder Why

 

Why Did They Not Give You One,

Do They Infact Have An Agreement On File

 

Pick Up The Agreement And Statement Of Acount And Tell Them You Will Be In Touch With In Seven Days After You Have Had An Audit On The Agreement

 

Dont Let Them Bully You

[louisd77]

OK I will do that.

 

It seems though that the deal they have offered is only there for a limited period, again they have stated that only two people in a set time period can receive these kind of offers. I think they are desperate for me to sign.

 

I will keep you updated.

 

Thanks,

 

Louis

[louisd77]

Hi,

 

Just had Welcome on the phone. I now have two options. The first is to pay £96 per month over 10 years or VT & pay £2000 + insurance & anything else they think to add on. I also have to pay £100 up front to keep the account from going into default by Wednesday. If not they will look to repo! Didn't think they could do that because I have paid a least a third of the payments?

 

Louis

[postggj]

louise

 

i take it this is the local branch doing all this

 

its all crap, believe me

 

they cant repo with out a court order, no matter what they say

 

go into the branch and tell them to give you there and then a copy of your agreement

 

if they give you any bs

 

tell them they are now in default of your cca request and you will legally with hold payments until they comply and that welcome are prohibited from defaulting the account while the cca request is outstanding

 

muppetts

[pwg6565]

£ 96 per month for ten years ? On a car loan ? Surely that cannot be legal ? How many ten year old cars are worth more than next to nothing ? Sounds like Welcome are trying to scare you into signing a new contract at whatever cost !!

[postggj]

the Account Is Now In Official Dispute

[louisd77]

Hi,

 

They told me they would send the cca out by post by Wednesday. I asked them to post out the information regarding the VT. Now they are saying it will be two weeks & why would I want a copy of the agreement.

 

I am unsure whether to pay the £100 by Wednesday or wait until they have sent out the agreement?

 

Louis

[postggj]

If They Are In Default Of Your Cca Request

Thats 12 Plus 2 Days From Receipt

 

I Would Say

Bog Off Welcome

 

Wait For The Agreement

 

Thats Me Though

Its Your Choice

[louisd77]

Hi,

 

Update from Welcome.

 

They rang this morning wanting £100 but I wasn't willing to pay because they haven't yet sent out the requested agreement. The guy I have been talking to suddendly became Mr nasty! Told me they would repo the car. When I said they had to get a court order he told me that would be easy because I was refusing to pay. I wondered if I sent them £20 & told them that the revised contract they were offering was way too much if this would prevent court action?

 

Could I also put the account into dispute based on the terms they are offering?

 

Thanks,

 

Louis

[postggj]

they cant do court action

this is a local welcome muppett not getting his commission

 

welcome get a court order to do a repo

 

well that would be a first

 

your defence would blow them out of the water

 

 

pay them nothing

account is now in dispute untill the comply with your cca request end of

 

 

they cant do any enforcement action including court/charges/default etc etc

while in dispute

 

its written in the cca

[louisd77]

Thanks!

 

I am going to write them a letter officially putting the account in dispute.

 

Louis

[Realist]

To the OP.

 

Please remove your full name and car details from the first batch of agreements you uploaded.

 

Regards

[louisd77]

Hi,

 

Received letter from Welcome this morning & it reads:

 

Regulated multiple agreement:

 

Following the termination of the above agreement, I am writing to inform you of your liability:

 

Half the total amount repayable under the agreement: £6,043.03

 

Optional insurance: 0.00

 

Rebate for cancellation: 0.00

 

Apportioned interest: 0.00

 

Payments received: £637

 

Seperate agreement liabilities: £5,405

 

Arrears: £ 772.33

 

Combined liability: 5,405.28

 

So I have to pay £5,405.28 + give the car back.

 

What I don't understand is I have paid off £3,700 not £637 & only missed 1 payment of £221.

 

Any ideas of what they are on about?

 

Louis

[postggj]

Welcome Are Realy Starting To Annoy Me

 

This Is A Pure Fabrication

Did That Come From The Welcome Local Office Or Nottingham

 

This Is A Multiple Agreement For A Start And You Cancelled The Insurance With The Re-write

 

So Why Have They Listed Seperate Agreement Liabilities, There Are None

 

You Are Doing A Vt On The Car

 

They Are Not Allowed To Include The Insurance,

Even So, They State No Insurance Rebate Or Interest.

Common Get Out From Welcome

 

Early Cancelation Charge

 

Ok, Where Does It State That In The T&c Or On The Agreement

 

Combined Liability

Get Stuffed

 

 

Can You Pm Me The Re-write Agreement Again Please To Confirm

 

You Have No Wories On This Response From Welcome

Ime Going To Take Great Pleasure In Turning The Screw On This One

 

When This Is Over I Would Send An Official Complaint To The Oft And Fos

[louisd77]

Hi,

 

The letter came from Nottingham.

 

I will pm you the last agreement.

 

Thanks,

 

 

 

LD

[AA99]

Subbing with great interest

 

postggj, is there any chance you could look at my Carcraft/GE money figures. Pt felt they didn't add up, neither did I, but Stephensons seem to think the contract looks ok:???: The dreaded LINK and HL Legal have it now:mad:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/161277-aa99-ge-money-car.html