anyone have a loan with welcome finance? what do you think of them?

fluffyblue7210

I know !! I had posted a thread on another site for some urgent advice and cut and pasted and for some reason I posted a link !:mad:

mrcow

fluffyblue7210 wrote: »

I am now concerned I am locking myself into a new agreement but the only agreement I have ever signed is the original one 4 years ago. Can someone advise me which is the best route to take.
Anyway I have today sent off a CCA request and also a SAR request, repetative I know but need to do it, also I am taking legal advise on the contract.

1. Don't sign ANYTHING.
2. If they try and take unauthorised money from your debit card, report them immediately.
3. Go and take all of your paperwork to the CAB. Someone needs to read through all of this with you to work out what you have been paying and what they are trying to trap you in with. And then come up with a plan of action (one point of action of course will be to take them to court for the £3k of charges!).
4. Never forget that this company are a bunch of loan sharks with a pretty website. They will tell you anything to get what they want - and they will lie through their teeth to get at your money.

ipodchick2144

i havent really had any problems with them so far although one month i didnt make a payment and i got harrasing voicemails saying if i didnt phone them someone would be visiting my house? i got the fright of my life

fluffyblue7210

Have today sent off SAR and CCA request so watch this space. I am continuing with payments for now just in case - they cant say I didnt offer if things get nasty - still havent received a statement of account a week later ! At what stage can I got into account dispute with them?

ipodchick2144

fluffyblue7210 wrote: »

Have today sent off SAR and CCA request so watch this space. I am continuing with payments for now just in case - they cant say I didnt offer if things get nasty - still havent received a statement of account a week later ! At what stage can I got into account dispute with them?

i think at the stage where u have requested a statement and they have not obliged, because surely by requesting this you are trying to keep track of your finances?

fluffyblue7210

well I have downloaded so many letters now I have a little army ready to send and am chomping at the bit for them to fail !. I will give them another 3 days its then two weeks !