Welcome Finance PPI - Help Please

[soli2006]

This is a bit rambling, so apologies for that, but here goes: In October 2001 I bought a car from a small independent dealer. The dealership arranged finance for me via Welcome – extortionate interest rates, the usual stuff with Welcome, but I had no option at the time. At the time of taking out the loan & signing the agreement (at Welcomes local branch) I was told I had to take out the PPI - I was never told it was optional; quite the opposite in fact. All went well & I made my payments on time, every month without fail. It was a 48 month loan/agreement & I made 44 payments at which point I was made redundant. . I immediately contacted Welcome who put me in touch with the claims department of the insurer. I was repeatedly promised that a claim form was in the post. It never arrived. This went on for three months! By this time, Welcome had started sending demand letters, calling my home phone, etc. Eventually, I spoke to a supervisor at the insurance company (who was very helpful it has to be said) who explained that the reason they hadn’t sent a claim pack was because I wasn’t insured.. Welcomes policy with them covered only ‘the middle two years’ of the loan period. i.e. – the first & last years of a 4 year loan were uninsured. I tried speaking to my local branch of Welcome – nothing. I tried writing – nothing. They continued to send letters & eventually involved a DCA. I tried speaking to them about this insurance policy problem – nothing. I wrote – nothing. I didn’t know of this site then so didn’t know my rights (as I’m beginning to now, thanks). Wish I had. In desperation I looked up the head office of Welcome (Progressive Finance) at Ruddington & wrote a letter to their CEO explaining the situation. I received a reply a couple of weeks later that was quite aggressive in its tone saying that (1) I was insured for the full term; (2) That I had not attempted to make a claim & that the insurers had no record of any conversations & (3) That as an ‘act of goodwill’ they were willing to write off the rest of the ‘debt’ (£851). So, they denied not only the fact that I had attempted to make a claim, but also that I was uninsured.
Now, my questions are: (1) Can I still investigate this even though the debt has been written off? (2) Is there any way I can establish whether I was or was not covered (i.e. whether the insurance company or Welcome are being truthful, as one has to be telling lies)? (3) Can I still claim I was mis-sold the PPI & make a claim against Welcome? & (4) If it turns out that I was, as the insurer claimed, only covered for part of the loan period, what action can I take against Welcome (I have it in writing from them when they wrote of the ‘debt’ that I was fully covered).
I intend to send a Subject Access Request to Welcome i relation to the finance & also to the insurer to get details of the policy. But after that, onvce i have established thefacts, i'm stumped.
Sorry if I’ve rambled on a bit, but as far as I’m concerned I was sold PPI incorrectly as I was told it was a ‘must have’, not optional & then I find out that I was not even covered for 50% of the loan – despite them taking the premiums. All advice gratefully received.

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	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Todge]

Soli

Read as many articles on PPI on this site as you can.

It'll take time, but a few issues will become clearer to you.

I'm no expert, but as I've done a bit of research for my own PPI claim, I'll gladly share my early findings.

Even to me, a number of issues stand out in your case.

1. The 'no PPI, loan deal' - not sure they can do that.
2. The lack of proper underwriting - Insurance policies have some onerous resposibilities on the issuing company or it's agent.
3. The company are clearly giving you the run around with what sounds like a classic genuine claim - 'it only covers certain years'???

Do a bit of sniffing for Welcome on Companies House.
Find out about their Data Protection Act registrations on ICO – Information Commissioner's Office.

Think seriously about an Subject Access Request, requesting dates and payments, and interest etc taken. Wordings for letters are on here, and can be easily tweaked for your own needs.

Think seriously about asking for your money back.

Above all, keep your chin up, and read as many articles on here as you can. Build your own case notes as you go - it is all a bit confusing, but it will get clearer.

And good luck!

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[reidnet]

Hi,
PPI cannot be made a condition of taking out a loan, It is Optional or should be..

I would submit a Subject Access Request to get all the information from them, as I read it you were charged for PPI which they did not Provide..

In fact they Recon That the whole issue of mis-selling of PPI policies is going to be a bigger scandal than the issue of of mis-sold Endownment Policies some years ago.

I have so far succesfully managed to reclaim 1 PPI policy costs plus interest, Im working on a much larger one just now (This one has not been posted on the form as yet as National Press were involved, Now the story has been published I should really post it here...But it has loads of letters etc...lol)

http://www.consumeractiongroup.co.uk...yds-2-ppi.html

http://www.consumeractiongroup.co.uk...rsday-9th.html

The above links are to the PPI that I am working on and the one that was settled pretty quickly..

Keep your chin up,, I know at times we all get disheartned with these companies (been there myself..lol) but dont give up the fight...

Ian

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[soli2006]

Was I covered or wasn't I? Welcome say yes; the insurers say no. They can't both be right. Plus, as you say, I never wanted this in the first place. I'm goinf to send an Subject Access Request to Welcome & from that get full details of the insurers (as Welcome refuse to ever tell you full details). Once I have all of that info, I'll be doing the same with the insurers. That way I can find out the exact scope of the cover, etc. I intend to get every penny back, with interest. And if they did take money & then not even cover me, I shall take further advice as to what to do about that.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[reidnet]

Once you have your Subject Access Request information , if it turns out that they charged you for PPI and did not in fact arrange full cover , I would discuss this in the first instance with the FSA and get some advice from them.

Ian

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[soli2006]

Cheers Reidnet. In a way I really hope that they were taking my money & not covering me. Be nice to make some mud stick with these people. I have it in writing from welcome that the insurers were wrong & that I was covered. What gets me is that Welcome NEVER back down, but as soon as i relayed to them what the insurers had said they magically agreed to write off the balance of the 'debt' as "an act of goodwill". Funny that.

[reidnet]

Yeah it sure is a funny gesture to make...dosn't that just make you wonder even more ??.. Hopefully it will all show up on your Subject Access Request

Ian

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[LancerQRL]

soli2006 have you had a reply to your Subject Access Request- i ask as mine does not include any details on the ppi at all not even a policy number- although its great fun reading their computer notes about me

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[soli2006]

LancerQRL - have a look at this other Welcome thread - all the info is on there - http://www.consumeractiongroup.co.uk...-dealings.html