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car loan from welcome car finance


lisa-m
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Hi, can anyone advise?

 

I took out a car loan with welcome car finance.

 

The loan was repayed with no missed payments but apparently I have a payment of £200 to pay to welcome to transfer(??) the car to me.

 

I have payed £150 of this but due to a change in circumstnaces £50 remains outstanding.

 

I have told welcome I can pay this at the end of next month when I return to work but am constantly pestered by a stroppy member of welcomes staff.

 

What are my rights?

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Hi lisa

 

Welcome to CAG

 

The guys will be happy to advise as soon as they are available.

 

Please let us know how your problem has been resolved, it could help fellow Caggers.

 

Thread has been moved to the correct forum.

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basically ignore them

 

you dont have to talk on the phone either to them!

 

ever thought of reclaiming?

 

i bet you have PENALTY harges

PPI

GAP

life

 

an were told you had to have them?

 

got the agreement still?

 

ever have a statement?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So I just hang up on them and pay the remaining £50 at the end of next month?

 

Can they apply further charges for this and will it affect my credit rating?

 

As previously stated the actual car loan was payed without ever missing a payment

and now this £200 for 'the car to be mine' has appeared.

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prob mentioned in the paperwork as a ballon payment?

 

anyhow

 

get reclaiming

have you got the agreement?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Unfortunately paperwork for things like that are unavailable to me due to my current change in circumstances so have no copies of credit agreements, birth certificate, degree certificate, the list goes on!

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i'd send welcome an SAR

 

with a line added that says:

 

this request it to include any/all agreements i have ever had with your company

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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