Itsme VS Welcome Finance

[fergal71]

Hi Ian (reidnet) would you consider creating a letter to the FSO that we could add our names and account numbers too... for us to try and see what we can do against welcome finance...

 

I think you have the most experience and would put together a great letter against these scumbags... maybe after letter from fso threatening them with revoke to their credit license will they listen to the many on here... The company is a joke and we need to use strength in numbers against them...

 

what do you think I am sure you would get lots of PM's with customers names and account numbers to begin the process... I feel this site can be used in a much more pro active way... while we all fight our own individual battles and get great support from this site, I feel we can do so much more to protect future customers of the likes of welcome. we all too easily bury our head in the sand and say shame but I hope it doesnt happen to me... you have been extremely helpful with so many cases and I apologise for putting this request to you but maybe when you get time !!!!

[karen654321]

I think that would be a brilliant idea. count me in

 

karen

[itsmeandonlyme]

Hey everyone...

 

 

Just bumping the thread up:)))

 

[maybelline]

hello all, still fighting, how are you getting along.

[conradsfate]

hi, everyone. sorry for jumping on thread but been reading with intrest.

i have a car that i had from welcome finance last year. i admit im 2 months in arrears. i pay £202.00 a month and i am strugling.

they have called at my house and put letters through my door and are phoning me a lot now. i answered and a very nasty woman started demanding payment over the phone rigt away. i explained i had not got that amount every month and wished id never taken the car. that i should have saved and brought a cheap one. she said i will soon default. i am at my wits en dont now what to do. i feel like im in a right mess with this one.

[hellhasnofury]

hi, everyone. sorry for jumping on thread but been reading with intrest.

i have a car that i had from welcome finance last year. i admit im 2 months in arrears. i pay £202.00 a month and i am strugling.

they have called at my house and put letters through my door and are phoning me a lot now. i answered and a very nasty woman started demanding payment over the phone rigt away. i explained i had not got that amount every month and wished id never taken the car. that i should have saved and brought a cheap one. she said i will soon default. i am at my wits en dont now what to do. i feel like im in a right mess with this one.

 

Hello Conrad,

 

I am sorry to hear of your troubles, you will get a lot of help and advise on the site.

 

What you cannot do is bury your head in the sand and hope they will go away. They won't and you will end up with a ccj for your trouble.

 

In your post you did not mention anything about ppi. payment protection insurance. Did they apply it to the loan.

 

Can you let us know please

 

Please start a new thread so we can follow and help/advise. Your post will get lost on this one.

 

Maybe also start a thread on the General Debt forum as well for help and advice regarding the way forward with the debt. You can approach companies like National debtline, and payplan. they are free debt management companies that will help you.

 

Stop worrying there are loads of things than can be done to help

[maybelline]

good advice, you must not ignore it.

 

WF bully those who do not know their rights, start by looking at the templates library and print out the harrassment letter, add your own details obviously to suit your situation, basically they cannot keep ringing you at all times and the harrassment by creditors letter would be a good place to start.

 

post more info though so more specific advise can be given.

[itsmeandonlyme]

Hello Con,

 

 

We would need to see the copy of your agreement. Have you sent SAR request yet?

 

 

 

Kind regards,

 

 

Itsme

[conradsfate]

Hello Conrad,

 

I am sorry to hear of your troubles, you will get a lot of help and advise on the site.

 

What you cannot do is bury your head in the sand and hope they will go away. They won't and you will end up with a ccj for your trouble.

 

In your post you did not mention anything about ppi. payment protection insurance. Did they apply it to the loan.

 

Can you let us know please

 

Please start a new thread so we can follow and help/advise. Your post will get lost on this one.

 

Maybe also start a thread on the General Debt forum as well for help and advice regarding the way forward with the debt. You can approach companies like National debtline, and payplan. they are free debt management companies that will help you.

 

Stop worrying there are loads of things than can be done to help

 

thanks for reply, will take note and start new thread. yes ppi is on there but they did not tell me i could not claim if i had a pre medical condition. i suffer with my kidneys and touch wood they have not troubled me for a while. but when i asked at te welcome branch if i could cancel because of this he told me not to worry and not cancle as i would be able to claim.

[itsmeandonlyme]

Con, you can cancel it if you want. Have you got a copy of your medicare policy/PPI policy?

 

PPI will only cover you if you got fired from work...etc

[maybelline]

Hi Itsme, hows things, I have an update if you pm me.

[itsmeandonlyme]

Just a quick update: Submitted N265 -standard disclosure Received their copy as well....

 

Claim has been allocated to fast track...

 

Received an offer to settle: they close the account ( about £480 outstanding balance).... if i pay the cost of their defence £240...

 

So NO!!!! Mr Orrill if you are watching, i repet: NO, thank you:))))))))))))

[mich7k]

Hi everyone how are you all doing yes its me and still alive just got an answer back from FSA the said i need to go to the fianancial leasing authority as they cant help so i'm thinking of going straight to court with these sharks any ideas?

[maybelline]

hello mich7k, I have tried Finance and Leasing and had no joy with them, but others appear to have some positive feedback from them and even refunds, good luck.

[itsmeandonlyme]

Hey MICH,

I PERSONALLY HAD ONLY £44 REBATED TO MY ACCOUNT WITH FLA help.

I think I've kept an email address of Ms Charles somewhere. Let me know if you need it. Before you file a POC you have to make sure that it's well prepared and includes strong points. I haven't heard anybody won in court with Welcome.

 

 

Good luck and keep us posted.

 

 

Kind regards,

 

 

Itsme

[streetgang]

Hi everyone, does anyone have any information on the Welcome Car Finance office in Ruddington Lane, their head office?

I need either an email address, or preferably a fax number as I need to contact them urgently.

 

Thanks

[maybelline]

Welcome Financial Services in Nottingham - Loan Services in Nottingham - Touch Nottingham NG11

 

Cattles | Welcome Financial Services

[streetgang]

Thanks, i cant see a fax number on any of this. Does anyone know it?

If not then I will ring the telephone number and try and get them that way. Dont really want to get involved in phone calls with them as I prefer to do it with letters, that way no misunderstandings.

Thanks

[streetgang]

hi all,

 

Fax: 0115 984 9302

 

Address is:

Welcome Financial Services

Mere Way

Ruddington Fields Business Park

NG11 6NZ

Nottingham

[conradsfate]

hi everyone, i have started my own thread but dont know how to link it to here. you asked if i could show you my credit agreement. here it is. ppi is on there but i was mis-sold.

 

[k1mmie]

I too have had a Welcome car loan similar to that of above, however I did not ever have a second page at all and the third page I have is not signed by Welcome or dated. In fact I still have the post it note stuckon from the broker just telling us where to sign. Apart from the fact, that I believe we were also missold the policy at the time, would this have been enforceable??????

[itsmeandonlyme]

Hey con,

I had a quick look on your agreement: it looks properly executed...I must admit, this is the best agreement i've ever seen from WF.

 

But you still need to claim your mis-sold PPI back...Have you got your statements yet? do we know how much of PPI has been paid?

 

 

kind regards,

 

 

Itsme

[redfan75]

Hello

 

I am about to try and claim my ppi back from wf. I have had a series of 4 loans with this company and each time I was told I wouldnt get the loan if I didnt take ppi. I was never given a policy to state what is covered by this insurance. At one point I was absent from work for eight months with depression after losing both my parents in the space of a few weeks, at this point I was told by welcome mental illness was not covered. I then tried to cancel the insurance and was told i couldnt.

 

Regards

 

Redfan

[hellhasnofury]

Hello

 

I am about to try and claim my ppi back from wf. I have had a series of 4 loans with this company and each time I was told I wouldnt get the loan if I didnt take ppi. I was never given a policy to state what is covered by this insurance. At one point I was absent from work for eight months with depression after losing both my parents in the space of a few weeks, at this point I was told by welcome mental illness was not covered. I then tried to cancel the insurance and was told i couldnt.

 

Regards

 

Redfan

 

Well Redfan,

 

They certainly made their money out of you did'nt they. Of all the companies that are discussed on this forum, I think welcome really take the biscuit. (That was a bit tame for me)

 

I am so sorry to hear your sad news and when you thought that there might be a chance for recompence with this ppi, to help you through this terrible time, it of course, let you down. Maybe better that you had broken your leg, which I am sure you would have preferred. It is a disgusting practice. If you are unfit to work, you are unfit to work. They put these exclusion in their t&c, because they have researched and found that these are the most common reasons for being unable to work. Mental illness and backache, these are included in the t &c.

 

If the ppi was made a condition for getting the loans, you have a very good case for reclaiming it back from them. Please read around the different threads and start one for yourself, so others can help, support and advise you.

 

Will watch out for your thread so I can help

[maybelline]

redfan75, that is disgusting of Welcome Finance, but you are not alone, if you read around you will discover that many have been sold all kinds of insurance etc that they should not have been, however, they deny all. do not be put off by them, get all the infor they hold on you via a SAR, good luck:)