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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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| | | | | | | Payment Protection Insurance (PPI) The misselling of Payment Protection Insurance is widespread, and believed to run into billions of pounds. This forum will help you to see if you have a valid claim for a refund, and guide you through the process. | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
4th February 2008, 12:22
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#1 (permalink)
| | Basic Account Customer |  love bug v unwelcome finance
hi there!
i watched Martin Lewis on t.v and saw about how to reclaim mis-sold PPI's. so i followed his advice and wrote to Welcome finance about a loan i had taken from them last year. they told me i needed to take out PPi to have the loan. i am self employed so wouldn't have covered me if i had needed to claim!! so i wrote requesting my money back. i paid off the loan a couple of years early as had enough cash to do so.
did recieve a response back, saying wasn't missold etc etc. i thenfollowed Martin Lewis's advice of asking the Financial Obudsman to look into it for me. They are doing this now.
Having read through some posts on this site, i think i may not have gone into enough depth. There is a lot of information on this site and now am worrying that my case may not work. What shall i do? can i start again, using information form this site? help!!!!  | 
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12th February 2008, 08:06
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#4 (permalink)
| | Platinum Account Customer | Re: love bug v unwelcome finance
Hello Lovebug,
The FOS will take time, but will do a thorough investigation. If you think you have more evidence you can send it to the fos to support your complaint.
Meanwhile write a letter of complaint to the Financial Services Authority, the Office of Fair Trading and Trading Standards, these complaints will be logged against Welcome and add to the list of misconduct and if enough complaints are logged they may fine them. 
If at the end of the Financial Ombudsman investigation if they rule in favour of Welcome ( which I seriously doubt) you can still issue a claim via the court.
These things take time, so you need to be patient 
__________________
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW | |
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2nd March 2008, 16:58
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#6 (permalink)
| | Platinum Account Customer | Re: love bug v unwelcome finance
Quote:
Originally Posted by love bug  hello. have recieved a reply back again as a final response from Welcome. They have said that i stated i was in permanent employment when i took out the loan. this is not true, i said i was self employed, and also sent them two yrs worth of SE60'S which prove i am self employed!!
i now need to send them a response saying i disagree and want to start legal proceedings. is there a template?? | Hello Love bug,
I would forward this new information regarding your employment and your evidence of 2yrs se60's to the Fos to add a bit more fuel to your complaint. I would also respond to welcome pointing out their underhanded tactics regarding this matter. Are they stating that you lied, rather serious accusation me thinks 
Maybe consider leaving this in the hands of the fos for the moment, I believe that they are upholding 80% of mis-sold ppi cases. Your call at the end of the day | |
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reg. office:- 923 Finchley Road,
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NW11 7PE
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