Welcome Finance Issues

[onslowhalfrep]

Hi,

I was wondering whether anybody could help me?

 

I had a car through Welcome Car Finance in 2008,

 

unfortunately I was unable to keep my agreed repayments and a reduce payment was accepted,

unfortunately my circumstances change once again in 2012,

 

I wrote to Welcome using 1 of the letter templates from this site requesting a reduced payment 0f 60 pounds a month,

this was sent registered post to Ruddington,

 

unfortunately Welcome completely ignored this request and continued to take 200 pounds a month out of my account,

this left me unable to pay my rent for 2 months,

 

when I realised what had occurred I cancelled the direct debit,

 

within the next day Welcome were on the phone asking why I had cancelled my direct debit,

 

I explained that I had requested a reduced payment and that they had ignored the request,

the guy on the other end of the phone said

"yes we ignored because it is not acceptable",

 

I said to him that I have no other option but reduce the payment,

 

this guy then said

 

" it looks like you have no option but to give us the car back!!!!!

All this after I had paid over 10 thousand pounds toward the car!!!

 

the guy did not care, he said I needed to hand the car back or they would take me to court,

he said that if I give the car up it will car most of the debt,

so I agreed,

 

the guy then said that I had voluntarily agreed to give the car up!!!

 

He gave me no option!

the car was taken 14 days later,

the people who picked the car up never even bothered to fill in their paperwork out correctly,

as they had failed to carry out a check for defects on the car.

 

After the car was taken Welcome sent me a letter stating that I still owed the same amount???

 

I rang them up for an explanation to which they would not give me one?

 

I asked the guy to send me some details as to how much the car was sold for, he did not oblige,

apparently I owed 4510 on the original agreement and I also owe 4510 in charges (coincidental)

when the car was sold it paid off the account debt but I still owed the charges of 4510.

 

since this call I have requested that all communication be via writing, they still ringing to which I ignore them.

 

I then requested a SAR,

 

today I received a full statement of my account but still no mention of the car paying off the account

and no mention of any adjustments in the account for the 4510 charges,

 

what are these people up to,

they have not satisfied the SAR,

we are so awkward?

 

Please could you help me in dealing with these people as I am getting desperate,

 

I have a Wife who is disabled and 3 children, 2 of which have Asperger's Syndrome.

 

is there any thing I can do to make these people comply?

 

will pay any money I owe them, if it is legitimate!

[dx100uk]

hi

 

moved you to the welcome finance forum

 

have a read here

 

you are not alone

 

this is a typical welcome finance situation, they spoof people blind.

 

your main issue here is the continued use of the phone

NEVER EVER talk about your debts on the phone to ANYONE!!

 

you need a paper trail of proof not phonecalls whereby you get told anything they like

to spoof you into paying more money

 

its sounds like to me that you VT's the car as you'd paid more than 50% so

only any non wear 'n' tear costs were p'haps claimable by them.

 

as for the PENALTY charges

 

they can ALL be reclaimed & the spoof insurance i bet you've got like 'PPI/GAP/brakdown etc etc.

 

now you have the SAR, have you a copy of the org agreement and ALL the statements?

 

is this your ONLY dealing with welcome too?

 

don't worry, you are going to be quids in after all this is sorted

 

i have NEVER known a situation with welcome whereby it does not result in THEM OWING YOU.

 

dx

[BRIGADIER2JCS]

Hi Welcome to CAG,

 

Welcome Finance only exists now to collect outstanding debt and is run b administrators.

 

I would send a CCA request under sections 77/78 of the Consumer Credit Act 1974 to get a copy of the original credit agreement, there is a £1 statutory fee for this,Welcome have 12+2 working days to comply, use the template from the CAG library.

 

I would be happy to draft a letter for you in reference to the failed SAR'

[onslowhalfrep]

Hi thank you for your quick response.

 

I have never had any involvement with Welcome prior to 2008.

I was put in contact with them after I Got refused for a 3000 pound car at a car sales garage,

 

un be known to me at that time somebody had opened 2 fraudulent accounts in my name and failed to pay any money owed

(prior to this a had an excellent credit rating) on these accounts,

 

it had caused my credit rating to drop drastically - hence Welcome Car Finance.

 

I did find all the selling a bind, I was in their office for about 6 hours with 3 kids and the Wife - very unusual.

 

I have my copy of the original contract and statements Welcome have sent me since 2008 as my Wife is very organised fortunately for me,

but all Welcome sent me following the SAR was a statement of my debits, and credits including "CAPITALISATION"

a 300 valet charge which I knew nothing about, also "SHORTFALL INSURANCE" and Engine Insurance since the agreement commenced.

 

BRIGADIER2JCS I would greatly appreciate a draft letter in ref to the failed SAR and I will request a CCA asap.

 

dx - thanks for your advice, Welcome have not indicated what the car was sold for, it seems quite cloak and dagger to me,

they are continuing to ring but I will not answer the phone to them, they are unreliable and devious.

 

Regards

 

Onslow

[onslowhalfrep]

Just as a heads up, have sent a CCA request today, registered post with the required £1.00 postal order.

 

I also sent the SAR on the 7th January 2013, so Welcome still have 12 days to comply, but looking at other posts on this forum I am not expecting anything else.

[BRIGADIER2JCS]

Hi SAR is a 40 day time scale, CCA 12+2 Working Days.

[onslowhalfrep]

Just a quick one, I have been reviewing my statement for my account with Welcome,

it seems there is a number of discrepancies, with regard to CAPITALISATION, what ever that is,

 

they have debit £18 in June then the statement continues through to July,

then another charge of £23 is debited for June again?

Then a payment is made for £175,

then they do a payment reversal and debit my account twice which amounts to £175

then they charge me £12 for unpaid DD,

this did not happen according to my bank statement.

 

The car I had through Welcome was taken from me after I had paid £11844.61,

the total agreement was £15589.70 including interest and

so called GARDX VALET CHARGE for £299, of which I have no clue about!

 

Also SHORTFALL EXTRA for £420 & MECH BDOWN PLATINUM for £750 with includes interest which totals £1621.32???

 

Can they add interest to these things?

 

Is it true that if you VO it needs to be in writing?

 

If this is true then Welcome have taken my car without my written permission and acceptance?

 

When the Welcome guy rang he was pretty insistent that my only option was to surrender the car and they would not accept a reduced payment, can they do this?

 

Can you advise what Option to Purchase means, as it seems they have debited my account for £1 for this?

 

There are other issues also which when welcome respond to the CCA request and the SAR I will include on this forum.

 

The information I have found and received from this site is invaluable.

 

Thank you and I look forward to receiving more advice from you.

 

Regards onslowhalfrep.

[dx100uk]

Just a quick one, I have been reviewing my statement for my account with Welcome,

it seems there is a number of discrepancies, with regard to CAPITALISATION, what ever that is, - interest charged on the outstanding balance

they have debit £18 in June then the statement continues through to July,

then another charge of £23 is debited for June again?

Then a payment is made for £175,

then they do a payment reversal and debit my account twice which amounts to £175

then they charge me £12 for unpaid DD, - reclaim any £12 fees

this did not happen according to my bank statement.

 

The car I had through Welcome was taken from me after I had paid £11844.61,

the total agreement was £15589.70 including interest and

so called GARDX VALET CHARGE for £299, of which I have no clue about! - reclaim it

Also SHORTFALL EXTRA for £420 & MECH BDOWN PLATINUM for £750 with includes interest which totals £1621.32??? - reclaim it

Can they add interest to these things? - yes but they fleeced you you didn't HAVE to have them.

Is it true that if you VO it needs to be in writing? - VO whats that?

If this is true then Welcome have taken my car without my written permission and acceptance? - yes - invalidates the whole agreement

 

When the Welcome guy rang he was pretty insistent that my only option was to surrender the car and they would not accept a reduced payment, can they do this? - NO!!

Can you advise what Option to Purchase means, as it seems they have debited my account for £1 for this? - a final payment that makes the car yours [option to purchase

 

There are other issues also which when welcome respond to the CCA request and the SAR I will include on this forum.

 

The information I have found and received from this site is invaluable.

 

Thank you and I look forward to receiving more advice from you.

 

Regards onslowhalfrep.

 

you've been had blind.

 

dx

[just_jue]

Gardx is their useless paint protector which I complained about and got the money back on this.

 

JJ

[onslowhalfrep]

dx thank you for your reply, it is as I thought, once the SAR has expired and I have no response for the CCA what action can I take in order to reclaim any money owing etc.

 

JJ, when I was sitting in that room for ours (no idea why) at no point did they mention this GARDEX add on, also the other insurances are total cobblers, I have no idea what the shortfall extra is and the breakdown thing, surely the car would be under warranty with welcome for at least the first year?

[onslowhalfrep]

dx, VO - I apparently voluntarily handed the car back to welcome?

 

Also the option to purchase - I have no car to purchase????

[dx100uk]

there is no such thing as VO.

 

its either VT volutary termination [if more than 50% has been paid, you owe nowt bar a barter on wear.n.tear.

or

its VS - vluntary surrender - they'll have you over for everything inc outstanding finance.

 

dx

[onslowhalfrep]

Hi dx, it seems that I did a Voluntary Termination?

 

I only know this due to a letter I received from Country Wide, who collected my car.

 

I have had no written confirmation from Welcome that I VTed, including on my statement

 

apart from the option to purchase, and I have not written to them to VT the account/car,

although as stated in an earlier post,

my contract states that written confirmation is required from myself to VT the car.

 

Sorry for the confusion dx.

 

Onslow

[dx100uk]

await the expiry of the CCA / sar

 

dx

[onslowhalfrep]

Thanks dx, and will do.

 

Onslow.

[onslowhalfrep]

Welcome Finance have respond to my CCA Request and sent a HP Statement and a photo copy of my agreement,

without the terms and conditions, and the statement is unsigned, have they fully complied with the CCA request?

 

They have failed fully to respond to the SAR sending me only the HP Statement,

although their was no letter acknowledging that it has been sent as a response to the SAR!

[onslowhalfrep]

Do i complian to the ICO and OFT?

[onslowhalfrep]

What action do I now need to take?

 

It seems that my car was taken from me unlawfully,

surely Welcome should have sent a letter acknowledging they have taken my car, and sold it...

...I have had nothing from them.

 

Should I take this to a solicitor as welcome have not complied with Consumer Credit Act and the Contract I have with them?

 

Why is it that my account still shows the same closing balance of £4510.40 even after they took my car in November 2012.

 

Thanks Guys.

[dx100uk]

have the time limits expired yet?

 

dx

[onslowhalfrep]

Hi dx,

 

The CCA was sent on the 04/02/2013 so will expire on the the 22nd February 2013,

 

but the SAR was sent on the 07/01/2013 so expired on the 16th February 2013 (Saturday just past).

[dx100uk]

i would give the sar till the end of the week

 

as for the CCA, scan it up please

 

set your default scan page size to A4

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites ...

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[onslowhalfrep]

dx,

 

Credit Agreement as requested.

[dx100uk]

right so they have recredited the gardx

 

HPDI Fee wonder what the is? - reclaim reclaim them

 

ah i suspect its a default [PENALTY ] fee so reclaimable after it each time. - reclaim then

 

unpaid DD fee - reclaim them.

 

smething else smells too

 

48*308.10=14,788.80 - that figure does not appear anywhere on the agreement!

 

that agreement is pants and probably totally unenforceable!

 

they have added your DEPOSIT as taken out CREDIT and chargred interest on it!

 

not taken it off the price of the car before they charge credit on it.

 

see A+R+V figure £13,968.38

 

 

game over me thinks

 

 

dx

[onslowhalfrep]

Hi dx,

 

just had a call from my Wife to say that Welcome have sent all information with regard to the SAR.

 

Apparently there is no default notice(s) included, although they say in their letters they have sent.

 

Also there is a form in with the info that states the car had been VT'd,

but how can this be when I did not give them written consent,

and there is no letter from myself to confirm this?

 

Again they have taken my car unlawfully - these people are present day highway robbers who need to be closed down.

 

As regard the deposit issues - what can I do?

 

Your help in this matter is greatly appreciated.

 

onslow.

[onslowhalfrep]

dx,

 

Just to clarify - have Welcome included the interest onto the account for the deposit, as I think the deposit has been considered when you look at to my statement and when you times 48 x 308.10 then add £800?