Thanks...yes I sent them all the docs required. I will keep you posted and once again thank you very much for your help to date.

Good morning...okay, the latest update in respect of this stuff is that after sending all the papers to WFS they write to me advising that as the FSCS is dealing with all their PPI cases that I will have to wait to hear from them with their application form would it be worthwhile applying to the FSCS direct or wait for them to send me whatever documentation it is? - I don't want it to be that things get duplicated. Again thanks for your help.

Good evening, thank you for all your help. I have completed the spreadsheet with the PPI monthly fees. On looking at the agreement there is a section which states total cash price for insurances that includes the PPI, mechanical breakdown, emergency recovery and shortfall insurance - together these are added on the agreement as "Total Cash Price for Insurances" - can I also claim back for these albeit that I did use the emergency recovery to jump start my car three times in 2011. Do I add in the "amount of credit for insurances as well? Lastly I have looked at the page in the link fosCI sheet for the spreadsheet in order to list down the telephone calls/letters etc but there is no link there to download this sheet. ..could you point me in the right direction. Again many thanks.

Good evening again, could you just confirm to me that the figures I need to put down are all the ones relating to the insurances on one spreadsheet and another for the charges on the statements I have received from Welcome? I have tried to find a reclaim thread in respect of Welcome but haven't been able to locate one yet. Also where do I find the FOS complaint form and do I send the spreadsheets to them or to Welcome? Lastly are you able to point me in the direction of the spreadsheets as I cannot seem to find in my thread where they are located. Many thanks again for your help to date. Much appreciated...

Please advise me if I am wrong but isn't PPI there to protect you if you are unable to work through sickness or loss of job. I will be making a claim for PPI as in my opinion although I used it when I was sick I have realised that I DID NOT have to have the insurance for mechanical breakdown, recovery breakdown (which I could have sorted out myself) but was told that I COULD NOT purchase the car unless I had these insurances included - it would not seem to me that this is not the case. In the four years that I have had the car I have only had to use the breakdown recovery three times, all instances were for a flat battery - but I could have joined one of the many breakdown services that re available. Therefore in my opinion I was forced to take out these insurances. Also as the car finance company knew that I was having payments made through their insurers for approximately 12 months should they not have frozen my account so that it did not incur any late charges?.. .this they did not do and I was advised by the insurance company that this is the normal practice - hence Welcome applied late charges to my account which were out of my control. Welcome have harassed me at work with regard to the outstanding money which they say I owe for the late payment and they have also issued a default notice against me although I owe nothing on the car in my opinion they have made a malicious default entry on my credit file. PPI is supposed to cover your payments in their entirety and I don't see why I should be held accountable to something that is done by their insurance company. I am very grateful to the assistance that I have received from dx - he/she is the only person to have offered me any help and nothing has been too much for them and they have answered every one of my queries. I will continue to act on the advice of DX whose advice I value greatly.

Many thanks for your help to date. I have checked and double checked for the missing page but have not been able to find it however will have to look when I get to work as that is where I scanned the docs. So apart from the outstanding page(s) what is the next step in regards to the spreadsheets and fos complaints form? Are you able to let me know which figures I should be using on the sheets please. Your continued assistance is greatly appreciated.

Finally managed to do it...hopefully it will meet with your approval:!: agreement.pdf welcome call log.pdf letters.pdf

Really really sorry to ask but what do you mean by PCM? I have honestly read through the notes but don't understand what you mean by PCM or FD. I have completed the form with all the figures for the insurances which gave a monthly figure of PPI of £8239.29, total cash price for goods of £9,340.00 and 8% simple interest of £21,255.47 and a final total of £38,834.76 - what am I to do with these figures? Am I to add in the finance charges for goods, charge for credit for goods and total charge for credit? Really sorry to be such a pain but I am really not experienced in this sort of figure work and very much appreciate your assistance.

Sorry if it seems I'm coming across dumb - I clicked on the link in respect to a single premium policy but it asks for the monthly payment of PPI. I have looked at the agreement and it gives a figure of £9,300 for the car and £3,607.. credit for the insurances marked as N. It further states that total amount payament for the insurances is £4,632 which is the £3,607.29 (N) added to £1,024.71(W) which is the charge for credit of insurances - all of these figures come under the heading of Key Financial Information. There is then a section titled Other Financial Information where it states £2,217.29 PPI in one section and another section it says total cash price of insurances G to L inclusive amunts to £3,607.29 and these are for mechanical breakdown insurance £650, Emergency Recovery £390 and Shortfall Extra Insurance £350. So my question is do I list all the payments for the insurances or do I just list down the payment for the PPI? Your help is greatly appreciated. Many thanks in advance.

Good evening and thanks for all the assistance you have given me to date. The latest position is that I have received a bundle of papers from Welcome's head office however they did not enclose any statements in that so I have written to them asking that they send me them. One question that I do have is what is the SOC? After I do receive the statements what is the next step that I have to do? Your further assistance is greatly appreciated. Many thanks to date.

Many thanks for your help...I will keep you posted...

Thanks for the help you have given me. Who do I actually apply to for the SAR is it the head office of Welcome or the bank? At the time of making payments I was with Natwest but that account was closed in 2009 so I'm not too sure who I am meant to write to for the SAR. Your further help is most appreciated.

Yes totally agree except in my case there was no money left in my account, I made sure that I had taken out what was in there and knew that there wouldn't be any in until my next pay day by which time I received my new card so the old one was void by then.

Oooh great thanks sooo much. As for the statements I have only ever received three of them and they have said that I will have to pay for copies which, initially I refused to do however I will write to them asking for copies and pay what they want by postal order. What is SAR? As for claiming the PPI can I still do that even though payments re made through the insurers when I was not able to work as the PPI was to cover payment in events of sickness/loss of job which both applied to me at the time. I am soo grateful to you for your help but yes this is the route that I will definitely be taking.

Thanks. I will phone the bank first and if no joy then Paypal it is.