Welcome insurances, Gardx and VT

[just_jue]

Thanks for that it was interesting reading

[just_jue]

Here is the letter I have drafted for my reply to the FOS, if someone could look over it and let me know your thoughts.

The original post I posted regarding this is: Error on paper work - missing deposit . If you need some more info.::

 

Thank you for your letter dated February 2010, after review your findings I have to disagree with some of your replies.

 

First off I am bemused regarding your comments regarding the missing deposit on the second agreement. It clearly states that to Voluntary Terminate an agreement you must have paid at least 50% of the amount which includes any late payments and deposit, so for you to say that the deposit is not important is wrong.

 

One of my issues was regarding the GARDX insurance which was already on the agreement which we had no option but to take, as this was an option we should have a chance not to take this. After reading your findings you have not commented regarding this.

 

By the time I resigned the new agreement I had already made two payments (which included 2 months interest), with Welcome putting the amount back to the original amount means I will have paid more interest to the amount of £54.72.

 

This agreement was a fixed amount agreement over 48 months; on my agreement it clearly states that the total amount payable is £12,507.90. I have two statements from Welcome which both state opening balance of £12,805.90. I know this works itself out later on this is wrong.

 

As of today Welcome still haven’t changed my credit file which they said they would in their original letter dated 2009. I am awaiting a copy which will sent on to you.

 

JJ

[beyondhope]

sounds clear and concise to me

[just_jue]

Thank you, lets see what they make of that.

[beyondhope]

Sent my hp to them today they gonna be busy bees for sure Ive also made a big deal about comission

[just_jue]

Hi, I have found out about broker fees on another agreement (which I didn't know about), Post was going to do a letter for me but I know he has been busy and hasn't got back to me, so lots going on at the mo.

 

JJ

[beyondhope]

ooo all the more fuel for the fire be interesting to see what fos say about the broker sheets I dont think they will do much with it with mine as I dont have a comission sheet of my own so to speak just an example of one from essexboy

[just_jue]

I have had a confirmation letter from the FOS that they have my complaint letter, another thing I have noticed is I have found the GARDX certificate now in small letters at the bottom it states that if we don't register with them within 1 month that the cover is invalid, so we are paying £299 plus interest for something we can't use. Nothing was explained to us when we took out the agreement, is this worth stating as well?

[just_jue]

Hi, like others I have GARDX sold to me when I brought my car from Welcome at £299. Due to errors in my paperwork I have been fighting Welcome with the FOS (and not getting far). One of my complaints was the GARDX which was already filled out on the paperwork and we had no option on.

Since look through all the original paperwork I have I found the GARDX document. On it states that we must register within 1 month with GARDX, I wasn't told I had to do anything (so does this mean it is null n void)?

Also it clearly states that it is a warranty document, and my way of thinking you can cancel a warranty at any time, so shouldn't have been sold as a 'extra' but as another insurance?

I was going to let the FOS know of my feelings but I thought I would ask others what they thought first.

 

Thanks

 

JJ

 

Any suggestions please

[just_jue]

Hi everyone, regular followers my have read my earlier post regarding my battle with Welcome which is with the fos at the moment.

 

One of my arguments is the GARDX Paint protection. To start with anyone who brought it had no option to cancel it, most of the time it wasn't registered with GARDX themselves and would need to be paid for year after year to be valid (even though you are paying the original through your finance agrement).

 

On the GARDX paperwork it clearly states WARRANTY, so like the PPI and breakdown warranty we should have the option to cancel.

 

I know that essexboy had complained to Trading Standards about this issue and would like to see how other people have got on regarding complaining.

 

Any thoughts or ideas would be much appreciated

 

 

JJ

 

Anyone?

[postggj]

Hi Just Jue

 

On The Welcome Agreement, How Is Gardex Listed

 

Is It Included Under Warranty Or In The Price Of The Vehicle, Or Kept Seperate On The Agreement

[just_jue]

Hi, it is under extras, but already on the agreement no option to take it off.

 

JJ

[postggj]

Give Me A Link To The Agreement Please

[just_jue]

Hi, here is the receipt:

http://i718.photobucket.com/albums/ww185/just_jue/Welcome/Welcomereceipt.jpg

 

here the agreement:

 

http://i718.photobucket.com/albums/ww185/just_jue/Welcome/Welcomenewcca1.jpg

[postggj]

Can You Point Where Gardex Is On The Agreement

[postggj]

Thats The Credit Agreement

 

The Figures Dont Add Up Either

[just_jue]

The GARDX isn't on the credit agreement just on the receipt.

What doesn't match up on the agreement (is it to do with no deposit showing)?

As when I first took out the agreement it had their lovely insurance which I cancelled due to the expense.

I did complain to the FOS about no deposit showing on the 'revised' agreement but the FOS said it didn't matter.

[postggj]

Bingo

 

Agreement Is Totally Unenforceable:grin::grin::grin::grin:

 

DID YOU DO A RE-WRITE ON A NEW AGREEMENT

 

PLEASE SAY NO

[beyondhope]

Gardx is on the agreement its next to the car where your swirl is to blank out details you can see incl GX thats the Gardx

 

they write it into the cash price of the car

[postggj]

They Cant Write It into The Cost Of The Car

 

Its An Extra Option

 

The Amount Of Credit Is The Car

 

Its Like Adding The Car And Ppi Together To Become The Amount Of Credit. Not Total Amount

 

amount Of Credit Misstated--game Over

[postggj]

I See The Gx Now

 

Thanks Beyond

 

Just Ju

 

Can I See The Agreement Please Without The Swirl

 

Realy Need To See This

[beyondhope]

its exactly the same as every other agreement ive seen the gx is printed on there as incl gx next to the car before any figures are even added in!

[beyondhope]

someone, maybe essexboy has a copy of a commission sheet that states to add the gx into the cash price...

[postggj]

WELL THE AGREEMENT IS HISTORY THEN IF ITS ADDED TO THE COST OF THE CAR

 

I REPEAT

 

IT HAS TO BE KEPT SEPERATE

 

BEYOND

 

TELL ME

 

IS THE COST OF THE GARDEX KEPT SEPERATE (cost price listed) then added to the cost of the car or is the amount of credit the car and gardex combined to become the amount of credit

[beyondhope]

on every hp agreement i have seen the only mention of gx is where it says incl gx by the car details......im sure it was essexboy had a commission sheet that said add £299 into cash price for car for gx other than that there is nothing listing it seperately