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Pearlyj

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  1. Update IND settled on 50% so he has gone with that We rang the FSCS and they confirmed that any claimed charges from welcome will now go to him as the debt is settled. I would like to thank you both for all your help and advice on this. All the best
  2. Not sure how much it was TBH. We will try and find out I will let him think about the alternative action he could take If he decides to go with a settlement figure I am assuming then that any rebates will be his as the debt will be settled (will ring as you suggested to find out) Many thanks
  3. I think this is where Im getting confused If we settle with the DCA do we still owe money to Welcome I thought that would be that
  4. I will do that, no point doing it just to give it to them. Many thanks
  5. The loan was taken out after 2005. Is this what Im looking for If your claim relates to a policy sold before 14 January 2005, you should contact the firm directly and it will process your claim. If you also have a claim relating to a policy sold by the firm on or after 14 January 2005, you will need to contact the FSCS customer services team on 0800 678 1100 or 0207 741 4100. So we claim from Welcome so what do they do with any monies owing, they no longer own the debt so do they pay us or keep it to make up the shortfall of what they lost on the sale of the debt Despite reading it it still doesn't mean anything to me Im afraid
  6. Reposted as it was too late to edit the post above Im sorry I dont understand what I am supposed to be reading, do we need to establish if its pre or after 2005 How will it go off the debt if we pay a full and final settlement, doesn't that mean the debt is paid and if so where would the claimed money go
  7. Im sorry I dont understand what I am supposed to be reading how will it go off the debt if we pay a full and final settlement, doesn't that mean the debt is paid
  8. So are you saying that if we settle with IND then any PPI back would go to Welcome as they sold it cheap Ive had a read of the link but its going over my head Im afraid
  9. SAR prepared, signed, previous address added and copy of Council Tax bill attached to prove current address Will post tomorrow
  10. Thanks Andy, the TPDO states an account that hasn't been used for years and years, one would think their greed would prefer an amount upfront and not risk a monthly payment that could drag on for years
  11. Now wouldn't that be nice dx100uk I will get that sorted and hopefully all will not be lost (I will be claiming half of what he gets back for my fee) Thanks for all your help
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