Welcome

wills7 · 20th November 2007, 23:21

I hade a loan off Welcome finance about 3 years ago.. i paid this off but belive now i was misold the PPI on. i know longer have the details of the account and have moved since i had the loan. if i write to them would they be able to find my details if i gave them the address when i took it out? And, can i put this on my initial letter of requesting the return of my ppi and let them find all the relevant deatils to save time of going back and forth?

dx100uk · 21st November 2007, 02:34

i would be incline to CCA them for £1 fee specfically asking for detail on the ppi as well.
then take it from there.

you can do no wrong by readin gas many threads here as posible too.

dx100uk

wills7 · 5th December 2007, 12:55

Do you have a template for a CCA letter.. the account has been paid and closed for about 2 years now so i'm not sure how to go about it

alanfromderby · 5th December 2007, 15:53

A CCA request would be no good as the account has been paid off - you need to do a Data Protection Act Request (Bank Template Library), ask for full disclosure of all documents and information they hold under your name.

You will need to let them have details of your old address(s), and send a £10 fee - which you add on to the amount they have to refund. Why do believe that it was missold?

wills7 · 5th December 2007, 16:17

Thanks, yes, i had the original loan at a branch then moved house, when i wanted to foolishly borrow more money the new branch told me i could only have it if i took PPI even though the original ppi was not included as the old branch never forced me to take it

wills7 · 5th December 2007, 16:44

Basically, the original did not have ppi on it, when i borrowed more from them they made me have ppi for the whole amount i'd borrwed from the beggining of the loan not the extra bit i borrowed and was specifically told when i wanted to borrow some more that i couldn;t have it unless i had ppi, medi care and all the other guff that comes with it!!

alanfromderby · 5th December 2007, 17:40

Had you got alternative cover, or is there any reason why the PPI would not have paid out?

wills7 · 5th December 2007, 17:47

I did not want the ppi but they told me that was the only way i would get the loan, if i took it..

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.