Welcome Finance Services
Reviews and Complaints

My ex husband left me with debts coming out the yinyang! Including a brand new £17, 000 welcome finance secured loan. My mortgage company and other creditors were all ver sympathetic and agreed to lower payments etc. welcome harassed me daily with phone calls yet never attempted to contact my ex husband. During the divorce I met my future partner and over the last 2 1/2 years have paid £11, 250 into the loan. Monthly payments of £250.00 with capiitization charges of £218.00 a month. I am in a position to clear the loan and the robbing B@£#€}|s won't take this figure or circumstances into consideration when offering a settlement, wanting £18, 334.10 i offered £15, 000 to clear it. Them responding "we won't even lose the £0.10p love.

I'm currently trying to find out their recievers details since they went into receivership 2 years ago.

STAY CLEAR is my advice. Disgusting company.

we have had the exact same problem - their staff are cocky and arrogant and taking a loan with them has been our biggest mistake and an even bigger regret. After being made redundant we were unable to keep up the full payments on either the loan or mortgage. Our mortgage co were excellent and helped us in every way they could but Welcome seem unable to understand that when people take out these loans they do not have a crystal ball and that their situation could (and probably will) change within 15yrs! I have worked for a sister company so I know that their training is centered around "treating the customer fairly" but I think every staff member I have spoken to was absent on that particular training day!

hi there . welcome finance do the same thing to me thay will call me a week after thay have been payed asking me for my payment! not sure what they do with my money but my lawer should find out i hope. good luck dont let them get away with it.

Im dealing with Welcome Finance In Waynesville N.C. They have me paying on a loan i got behind on . The Manager has never told me the exact amount im behind on. Shes taken me to small claims court Ive asked Repeatedly for a receipt with the amount ive paid to them . I have gotten no response. Ive paid several payments but i dont know how much ive paid because they will not send any receipts with balance owed. Ive spoken to an attorney hes advising me to sue them. Im being Harrassed with phone calls from the Manager. Im tired of the harrassment I dont know the exact Dollar Amount I owe them. Ive talked to the CEO but he evidently doesnt know the amount i owe I think Im Being Ripped Off By THE WAYNESVILLE N. C. OFFICE Take my advice DONT DEAL WITH THE WAYNESVILLE N.C. OFFICE THEY ARE RUDE SMART ELLICS DONT TELL THE TRUTH.

I took a car loan out with welcome finance in march 2007 on the understanding that work was carried out on the car i was purchasing from there liverpool branch .this included body work, spare key to be provided and passsenger wing mirror loose .up until today march 2011 i have still not had a spare key and wing mirror still not fixed ..in 2008 i asked welcome to reclaim the car from me as i was struggling to make the payments of £212. amonth due to splitting from partner .they refused to take the car back but said they could lower my payments to £88.74 a month but i needed to go to the stockport branch to sign for for this new payment .on the new paper work overall loan amount was for £4579.82 but the last statement i received from them said i still owed £9860.92 .I did ring them but did not get any clear answers to why this was they said it was because of the agreed lower payments ..I did manage to claim ppi's back from welcome due to being mis sold insurance but i still feel they are over charging me as the total they said to pay off was £10648.85 which is more than the car is worth ford focus 1.8 diesel on a 53 plate .I am not happy with this company and would erge people never to deal with them .i have found their service to misleading and not ver helpful.

pete watkinson if you are going to do that you may want to take spelling lessons first.

Welcome Finance can't do anything right make sure you document every conversation you have and don't speak to anyone unless they are using a recorded line, If you have a secured loan they might tell you they will reposess your property or car but they can't without a Court order and you can't get evicted with them issuing you a warrant for possession from the court PASS THIS ON

I am in the exact same situation as Danielle Mckenna i feel trapped by this company and not wanting to pay any more money to them, because whatever i seem to pay my amount does not seem to change i to took out the less payment option by reducing the monthly payments by taking of the payment protection which i did not even no was on there in the first place.My balance to date is approx £1800 they said they would take £1300 as a settlement offer i find this disgusting as i only lent £1000 approx 18 months ago anybody help i want this company of my back...!

I have also recieved charges to my account for phone calls and letters I never received! not to mention that when i THOUGHT I was lowering my payments (as I took of the protection) they actually signed me on a new contract without my knowlegde! I was told I needed to sign to agree to the lower payments not a new loan over 6 years! which I have only recieved a copy of recently as I had major complaints about the outstanding balance. I tried for over a year to obtain a statement of my account but was always fobbed of until I said I was taking this further and they happened to make a statement appear? along with the new loan agreement - which I never recieved, I took a loan for £1, 500 in 2004 and in 2009 I still owe £2, 335.00.

I took a loan out with WF and asked for an unsecured loan and then realised it was actually secured once the paperwork was signed and I received the cheque - also the PPI on this was quite high. Am trying at the mo to get this back. ALso fell into arrears 3 months and agreed to go on a payment plan to pay and extra £60 a month I changed my dd and on Friday I got a call saying they would be charging me if I didnt pay this months bill I told them I had changed banks but they were so rude to me and she actually put the phone down on me - I was not intending to bump them so to speak and am really angry they also called me on Saturday morning to say the same thing and I put the phone down this time - I am waitingon my new bank card coming and have told them as soon as I get this I will pay the months payment god has anyone else had problems with them?

Have just been informed that despite both my wife and myself requesting payment protection and both signing the agreement for it, the cover only covers one person.
As my wife has just been made redundant this is the first we knew about this, we were never informen of this when we signed the loan agreement or on previous times when we have had welcome loans.
Obviously if we had known about this we would have put the loan in my wife's name as the major wage earner and not in mine as welcome seem to have done despite knowing my wife was the major wage earner and that I am self employed and hardly likely to be made redundant

Oh my wod I have never had so much trouble with anyone in my life like I have with Welcome Finance. We applied for a consolidation loan in November and they sent us the forms and we sent them back but then we had a call saying they were no longer doing loans due to the current "credit crunch" climate. OK we thought we'll leave it til after Christmas and apply elsewhere but we got a call in Feb asking us if we were still interested in having a loan and we said yes! we were (brill!) so we' were sent out some forms again and started the ball rolling again only to have the forms get sent back after not sighing something then there was another form which we scanned and emailed back which we apparently hadnt signed either fair enough, easy mistake to make seeing as they send out so much crap to sign.. Then we waited and waited and were told that on the 9th of April we were "ok to pay" after that you are supposed to recieve the cheque. We didnt then I got told they dont send chqs they use bacs then they said no you do get a chq and it'll be in next couple of days.. They said this (and are still saying this) everyday for the last week or two. As per THEIR database the chq was DISPERSED on the 22nd April (nearly a week ago!) meanwhile the people we owe money too are getting quite peeved with us and think we are fobbing them off all because WF cant send out a chuffing cheque! whats the problem?! Anyway, still no cheque and I'm about to collate all my telephone call conversations I have had with them and complain - unsure what this will actually achieve to be honest but it'll make me feel better to get it off my chest and it'll let them know how ### they are as a company. Wish I could go elsewhere but theyre only loan co we could find that would lend us the amount we need :-(

If I had known what I know now I wouldnt have taken a loan out with WF they are just a shower of cheating and arrogant swines.

PLease dont go near them if you are in difficulty speak to the CCCS they are great or Think Money Group they are fab.

I am now having the same problem, I already have a loan with them and upgraded to another loan now 4 weeks on I have not recieved any funding and they claim it is an IT fault yet on one is able to identify the issue and rectify it.
Can I ask how yours went and weather you got the loan? as I have made a complaint but no response and continue to beat around the bush.

Claire
clairetribble@hotmail.com

Vehicle purchase on PPI/PCP on 30th of August 2008. I am checking my claims entitlement for the above.

I took a loan from welcome finance, or should I say was tricked into buying a car from carcraft. Big mistake drove out with no road tax plus there was a fault with the carwhich tey said needed a service. ahh told me all this jargon on credit agreement didn't pay a dime on deposit. din't even like the car anyway was paying 217 pounds amonth thatsincuding ppi which i had never heard of sincebuying the car kept up paymentsfor two years out of 36 months couldnt keep u with payments. called to explain, but were rude. I SWITCHE D on them ignored their calls and letters. People it gets to a point you can only do so much. wecome finance are legalized robbers properply with connections in the goverment thats why they are still trading I ain't paid dime for over 6 months anf if they want the car lets go the court route which they don't want to here. people should not let these clowns bully them into paying IT YOU CAN'T PAY, YOU SIMPLY CAN'T PAY thats it they can't kill you at the end of the day. Welcome finance up yours.

WF were dissolved 14/6/2011 and are now trading as Shopackeck, they were owned by the same people and all information points to using the same tactics.

please can someone please help please.IS WELCOME FINANCE STILL OPERATING AS I HAVE A LOAN WITH THEN SINCE 2007 AND HAVE MISSED SEVERAL PAYMENTS AND DIDNT RECEIVE ANY CORRESPONDENCE FROM THEM ON THIS BASIS ? HAVE THEY FOLDED UP?

I applied for a loan with Welcome Finance in June 2006 for £5000 but they offered by £1500, which i took i had to pay back £140 monthly installment for 24 months. which is £3360 in total, that time i was in need so i didnt bother what i will be paying back. I just took the money, i paid them back initial 2-3 installments and then i went to their office and told them that i cant afford to pay this much, i can just spare £50 for loan repayment, i sat in their office for 45 minutes and then lady came back to me with another repayment plan and which is really horrible. according to that i had to pay over £5500 over 5 years time of period, i paid them 3-4 installments of £50 and then i changed my address and later my mobile number. they couldnt chase me on that. and after 2 years i received a letter in post from an xyz company saying that there is a private message for me. i rung that number and the lady on the other side was saying that i have a message from welcome finance, (it seems like that was a kind of detective company). I interupted her message and told her that I have moved back to my country and no longer living in UK, my friend living at this address called me today and gave me information of your letter/message. She said OK, then i never heard from them again and I lived on that address for more than 2 years and never heard from welcome finance again. My credit history was mashed anyway so no point giving them any money back. Yes I cheated but what they were charging was also not fair. If I still get a chance to pay them original amount, I will.

My husband took out a loan for a car back in august 2007 which was £8, 000, he had an ok payed job and he was payin £250 a month. He then was made reduntant i think 2yrs into the agreement, he found another job but bringing in less income so he asked if he could reduce the payments so he has been payin £160 a month after that.As he is self-employed money is never the same one month to the next and didnt have any work for a good month or so, he has got work now but wont get payed for another month so he had to phone them to explain his circumstances, and the lady on the phone said if we do not make payment within 2 wks they will take the car, my husband asked how much we owed on the loan and they said we still owe £12, 000 where they got this figure i do not know. And then told him he still has 99months(8yrs)to pay it back which we worked out would be nearly £16, 000 we would have payed when finnished and if we were to sell our car we would only get under £4, 000 for it, and probably not even that in 8yrs time. We are at our wits end and dont know what to do, these people are disgusting how they can rip people off, its stressing me out and my husband feels the same, he also has a heart problem and would hate for this to affect him, what can we do and where do we go for help?

Welcome finance are a bunch of cowboys.For gods sake, any of you out there who has any bit of sense left in you, please don t get involved with Andrew Brian screen!It's worse than having the devil on your door!BEWARE!

I took out a loan with Welcome Finace in 2001. Due to various circumstances I fell into arrears with my repayments and Welcome added on more interest each month than my actual payments were. I have now asked them for a copy of my loan agreement and then tell me that because the loan was taken out in 2001 they are not obliged to have kept a copy of it even though the loan was for 10 years originally so would only just be over. I want to see a copy of the loan agreement with my signature on so I know exactly what I signed for but can't get. Does anyone know if this is correct?

I also would like to know who I can complain to about this company?
Back in 2008 I took out a loan with WF for a car needed for my job. All was well until I was made redundant in 2009, as I could not meet the high payments the loan was rewritten. Well this started all sorts of complications. WF messed up the direct debit payments collecting the wrong amounts and trying to collect twice each month which was the last thing I needed to cope with at that time. Since then I have refused to pay them by this method and have been paying by Debit Card each month, thats fine with them, the payment is the last day of the month. As soon as the 1st day of the next month arrives they phone all day every day demanding details for the next payment, in many cases leaving agressive messages on my voicemail. I have been away working for the last 2 weeks and again the calls have started, they call the house demanding to know what time I will be back etc when my wife answers the phone. Basically they have been down right rude to her. The on Thursday evening the doorbell rings and there was someone from WF standing on my doorstep demanding to know where I was. I have never missed a payment with them, this person was demanding bank details etc and the payment is not due until 28th Feb They had no ID on them and could have been anyone, all this was done outside the door in full view of neigbours etc. I was so angry that this has happned especally when I am not in arrears and been paying all along. I would like to make a complaint against them for this dreadful intimidating way they conduct their business.

We used welcome finance for a car . we asked for a particular car - vauxhall meriva when wwe arrived at the gatage i was told that the meriva was sold. But low and behold as we walked around, there it was. i questioned the sales rep ( or dippy as i call him) about why we were told it was sold. He replied that it was being held for another customer( lying little toe rag). We were sold a nissan note for a ridiculous price but we could not get finance anywhere else. My wife drove the car home 150 miles. when we got home i realised there was no tax disc. I phoned the sales rep to complain and was told they never give out tax disc and he forgot to tell me( Is this illegal). Then we realised there was no car ariel, which then took 10 weeks to arriveafter several phone calls. Wwe have had to change all four tyres twice, the wind screen wipers, front head lights . We had a problem with the car horn and i refused to pay the installments until it was sorted only then did they do something about it. They sold us a duff car with no tax, not serviced, not checked by their mechanics for an inflated price - Who do i go to to make a formal complaint. DO NOT TOUCH THEM WITH A BARGE POLE.