My Clio Vanished before my eyes...

[SarahConnell]

Yeah, I've just called them.

 

However, the good news is that my car hasn't been sold yet.

The MOT was due at the time of repossession, so hopefully nobody wants to buy it for this reason.

 

I'm just hoping I can save up enough, soon, to get the car back.

[postggj]

welcome will convience you black is white

 

so they have a default of sums, thats just some thing they have to send you if you have missed a payment and are charging you a penalty fee

 

termination notice, so what

 

if a third has been paid back they still cant repo with out a court order

 

phone them and demand they send you a statement of account

[SarahConnell]

But I don't have a third paid back, so I think they were allowed to repossess it.

The Default Notice it the one I posted in this forum and I have a letter which also says 'Without Prejudice' on the top of it.

[postggj]

may i ask

 

how do you know you have not paid a third back

 

you were sure at the begining did welcome say this

 

without prejudice means that letter cant be used in court with out the agreement by both sides

 

what you posted was not a default notice

 

its a notice of default ammount and welcome are charging you for it

 

what does the letter say

the without prejudice one

[SarahConnell]

I asked the guy on the phone to tell me how much I had paid back and he read the amount. It looks like I was a month short of reaching the third.

I was pretty certain, but not 100% sure. So what he said, sounded about right.

 

The 'Without Prejudice' one states that the account has been terminated and they have a right to either demand the full amount or repossess the car. So I'm assuming this is the termination notice.

 

I'm really crap when it comes to the law, so I have no idea what any of this means.

 

I would post that letter on here, but I'm not at home.

[postggj]

rollocks from welcome as usual

 

phone them and demand a full statement of account

 

better still

 

go to a welcome office and get them to print one off

[gezwee]

Without prejudice termination.........nearly laughed my b*****ks off :lol::lol:

[SarahConnell]

I wish I had more times on my hands, otherwise I would have gone to the office.

 

Surprisingly, the guy I spoke to didn't call me back, as promised. He said he'd be calling me back, regarding my missing items and the status of my the car.

 

Nothing!

[gezwee]

I wish I had more times on my hands, otherwise I would have gone to the office.

 

Surprisingly, the guy I spoke to didn't call me back, as promised. He said he'd be calling me back, regarding my missing items and the status of my the car.

 

Nothing!

 

And this surprises you because................?

 

Wouldnt trust 'em as far as I could comfortably p***

 

I wouldnt dwell too much on what they say they will or won't do, they're under notice to supply all data under SAR now so the clocks ticking (assume you did get this in the post).

 

You'll be in a better position to resolve matters should they comply, if they don't comply......you can file against them so thats not an issue, just more time (which you can claim for).

[SarahConnell]

I'm now received my statement of account.

I have also found out that the arrears on my account are increasing.

 

I am so depressed right now.

I can't afford to buy another car, because of this. The amount of money I'm spending on cabs, prevents me from doing so.

 

I can't understand why the arrears are increasing, even though I don;t have the car. I may as well keep it if I'm still paying for it.

 

I really don't know what to do, this is actually affecting my work.

[postggj]

Hi Sarah

 

Post Up The Statement Of Account

 

Remember To Deleate Any Account Numbers