Ppi

[MICHFERGIE]

PPI HELP


I have PPI WITH BLASTED WELCOME

THEY HAVE OFFERED ME A PARTIAL REFUND AT THE END OF THE TERM BUT WILL NOT GIVE ME A FULL REFUND CAN ANYONE HELP WHAT SHALL I DO?

Please help

[gemspan]

Hi Michfergie

Can you give us more information. When did you take the loan out? How long has it left to run? What was the cost of the original loan? How much were you charged in PPI?

As much information as you can give will help more experienced members give you a more rounded answer.

Look forward to hearing from you.

Gemspan

[MICHFERGIE]

Hi there the loan was a car loan taken out 2 years ago and has 3 years left to run, car was £5000 pay back about £9000+ not exact;y sure withouit looking PPI was extra about £2000+ they have offered to pay me back half but whta they are saying is that I bougt the car for Sanderson Motorhouse who are nothing to do with Welcome and that Welcome are not prepared to pay the full amount back as they did not force me to buy this product they said they cannot find anything on my files I have said I am speaking to my solicitor because they told me on the telephone i had to take this PPI out.

Thanks

[gemspan]

Hi there

I'd suggest that you have a good look for the original agreement. This agreement will list everything and will quote all interest rates etc., If you cant find it then right to them quoting the Consumer Credit Act (do a search for template letter to send to them - you will find it in legalities section where people are looking for an original copy of their agreement). Have a good look through that section and familiarise yourself with the Act and also the type of thing you will be dealing with. There is a thread in this forum which sets out the correct way to claim back PPI. Have a look at that. It will give you most of the information you are looking for. You can then ask questions if you are unsure about what to do.

It sounds to me as if they are just trying to pass you off and hope that you will go away. The best way to deal with something like this is to arm yourself with all the information you need to succeed. This forum has a wealth of information at your fingertips but you do need to search and read quite widely around the subject and you also have to have your original documents so that you know the exact figures.

Hope this helps. Good luck.
Gemspan

	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.

[MICHFERGIE]

Thanks I am not sure though what to do I have already sent in a letter which the chap branch manager phoned me, he says that they did not record the calls etc, at this time and he cannot see how I WAS FORCED TO TAKE THE ppi When I did not deal direct with a salesperson.

Thanks

[reidnet]

Hi,
You really need to get hold of all the original documents, agreements to see excatly what the costs for the loan and the cost etc for the PPI.

What I can make of the above (correct me if I am wrong), you took the Loan out through Sanderson Motorhouse to buy the car, They would have been acting as Agents/ Brokers for Welcome Finance. If that is the case you will have to take your complaint up with Sanderson Motorhouse regarding the mis selling of the PPI. As welcome will have stated Correctly that if you did not set the agreement up directly whith them they cannot be responsible for mis selling the PPI.

I have a similar ongoing case against GE Money/Purpleloans, they were acting as Agents for Firstplus. I have been fighting over this one since September this year, so it may be a long slog to get it sorted out with Sanderson Motorhouse.

PPI is optional, well it should be, but there is far too much hard selling goes on with PPI, I was told no PPI then NO Loan..thats Crap..

The mis selling of PPI is a new area really for reclaiming, I have had 1 success a while back, but you could have a fight on your hands, what it will come down to in the end is your word against theirs.

The more information that you can gather the better, Once you have all the Information we may be in a better position to advise / help etc.

Good Luck
And dont give up....

Ian

[MICHFERGIE]

Thanks
But it is nothing to do with Sanderson, they are nothing to do with Welcome they did not do anything or say anything about the ppe it was ourely with Welcome, they told me over the telephone that I had to take this out.

Thanks

[reidnet]

I thought that they had arranged the finance for you ..No problem.

The best way to proceed is to Submit a S.A.R - (Subject Access Request) under the Data Protection Act to obtain all the agreements etc that they hold regarding your account. Also state in your Subject Access Request that the information that you reguire also includes any transcripts of telephone conversations. I know you said they told you that they did not record calls, I find this a bit hard to believe that they do not at least record a percentage of calls. At least if you ask for any transcripts of calls and they dont supply any..they cannot obviously turn up should the case go to court with a copy of a recorded telephone call as evidence.

You have to just think about covering every avenue, After all they told you No PPI then no Loan and that is total nonsense,and they know it.

The more Information that you can gather puts you in a far better position to fight your case with them.

Ian

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	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.