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pudsey2

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  1. martin i have an old associates card from before 2000 and i have noticed that i have a card protection on it £15.00 regular payment plan where do i and how do i start a claim and will it be with citi or cpp? some advice would be grateful thanks pudsey2
  2. HI DX i have gone back to my spreadsheets and calculated a statutory comp claim and a contractual comp claim and wondered if you wouldnt mind checking them for me? regards pudsey2
  3. dx do you know if anyone has had success with welcome reclaiming the insurances back "lifecare, homecare, medicare"? Regards pudsey2
  4. i believe that the MIF is a charge for credit as welcome provided a loan under 25k Also if it was to protect welcome to get the shortfall if the home was repossessed then it would be a type of policy with someone who has to underwrite it ,therefore a policy should be issued. also interest is paid on the MIF for the duration of the loan and included in the charges for the loan & nowhere in the terms and conditions does it mention MIF Payments. its a fee for taking out credit as was explained to me at the time i signed the agreement and i believe at the time i had to pay these fees up front yet i also paid interest on the full amount. i wonder how many other people have been duped this way
  5. thank you 1 question though are they not meant to add interest to the acceptance fee? and should these be claimed back seperately ie acceptance fee claim insurances claim ppi claim or can i just put them all together
  6. hi sorry to pm you direct i am looking to claim back 4 x MIF charges over my old welcome agreements +insurances that were sold to me they also have different apr on them to add to the confusion and amount to over £2706.0 in mifs alone can you help regards pudsey2
  7. dx is there any chance you can help me sort this mess out as i have to claim back the insurances off four different accounts and the ppi of 2 and the mifs of 4 accounts all at different rates i do have all the paperwork just need to sort out so i can either claim direct or go to court whichever is the easiest. or if you can reccomend one of the caggers to help? one last thing can i claim back the acceptance fee's? regards pudsey2
  8. thanks for that dx i have read though the posts however is there any further updates from them regarding the mif charges regards pudsey2
  9. thanks dx i know they have charged me 2 x MIF for the rollover do i have to have seperate claims for them and how do i go about it because on the 2 ppi claims they have already paid out i paid £1760.00 in MIF's and i have not even claimed those back. i think i will need a bit of guidance from the cag team here as i think i am a bit out of my depth. regards pudsey2
  10. ims21 Here are the files as requestedwelcome file.pdf Regards pudsey2
  11. sorry ims21 i have read through the documents and i am still none the wiser if i send you the form i have completed would you be so kind as to give it a look over to see if i am filling in correctly. i have electronic copies with personal details blocked out? or if any member of the forum has done this in the past would they mind helping. regards pudsey2
  12. Hi DX thank you for the info can you tell me what i should be putting on the si sheet is it the full amount of insurance premiums advanced to the account or is it just the monthly interest on each payment on loan 1 i had 1877.91 advanced on the apr of 34.1% and a monthly interest rate of 2.00 according to the finance form provided and on loan 2 1577.71 premiums advanced with an apr of 29.3% and a monthly intrest rate of 1.85% i am a bit confused at what i should be putting on the sheet do you have any examples or pointers at what i should be filing in Many Thanks pudsey2
  13. dx100uk Re: Welcome Finance say ppi claim is statute barred you work out the PPI PCM then use the SI spreadsheet their int rate is included in the PPI PCM you calculate dx Do you have a link to this spreadsheet? regards pudsey2
  14. Hi i have taken out the loans with a apr of 34.1% on 1 and 29.3 on the other they alo have different monthly intrest on which is 2.0% and 1.85% respectively does this have any effect on your speadsheet as the figure i have already calulated using a cag spreadsheet that takes in to account different interest rates? also should i use the figure "insurance premiums advanced" from the statement that welcome sent me? regards pudsey2
  15. Hi all thank you for reponding at present i have all the statements on the four account that i held and the copies of all agreements that they have provided. welcom have written letters telling me i am not elegible to claim back my ppi because they were not regilated at that time. i have complained to the fos that they are using stalling tactics and they are to invesigate further. i have contact the direct group to get copies of the insurances however it appears that they are just generic forms and policy numbers so really no further forward apart from that i have already claimed through a third party for 2 of the agreements and been paid out ppi but not insurances or MIF so if succesfull i would like to go back to them and claim all the insurance back to. the welcome staff wcfs have said i cannot claim as they are looking at cases after the date they were instructed to do after 2003 i think. can someone advise me on what to do next? many thanks pudsey2
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