Advantages Professional at Start, Easy to Contact.
Disadvantages Unconfidential, Anything to get customers.
|Efficiency of service|
|Competitiveness of charges/rates|
|Promptness of service||Excellent|
|Online - Content/organization of site||Average|
|Online - Reliability/speed of site||Good|
|Online - Ease of applying for products||Excellent|
These past few months have been difficult for me. I chose to use Welcome Finance as someone had recommended them to me at this extremely difficult time. This credit crunch made it difficult for me to get a loan or anything of the sort under my current circumstances. When speaking to Welcome Finance i thought i had chosen the best around for the rates they were giving. When i recieved my quote i was more than happy with the outcome. £1000 loan, repayments at £96 a month for a 12 months. To say the least i was very happy with this quote and accepted them primarily. When i recieved the paper work through the post, the quote was far from what they had given me. A loan of £1000 with repayments at £103 for 24 months. I was shocked and appauled at this and immediatly called them. When i expressed my veiws on this, i was transferred to another representative and another and another. The professional outlook they had first shown had suddenly dissapeared and i ended up on hold for a good 20 minutes before being told that this was the best i would get form them at this time. The quote was unfair and the response was terrible. The loan was then cancelled and i have asked my details to be removed form the system. What seemed even worse, was the fact i had been put through to AXA via the loan company, who set up a direct debit to my account for £10 a month for a cashback plan which i really dont need. The service provided by Welcome Finance although professional to begin with, fell through quickly. It seems they lied through their teeth to get customers and then my details did not remain confidential. I was very dissapointed with the service and have been put off getting loans out over the internet and phone for life.
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