Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)



Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE
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  1. 27th November 2007 20:47 #1
    tricky247 tricky247 is offline
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    Default Welcome finance PPI HELP NEEDED!!!

    Hi, i took out aloan with this company sept 06. i am self employed, which they knew when i took out the loan as i had to send in proof of my earnings. SE60'S

    The man told me i needed PPIicon to protect me if anything happened to me and i was unable to work, so i took it out. i have since paid off the loan early and has been settled in full.

    i have now sent them a letter requesting my ppi money back as it would not have covered me!!
    A man then rung from Welcome and told me that the ppi was not missold and i would have been covered. i think he was trying to fob me off!!

    i have now sent them another letter disagreeing with this.

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  2. 28th November 2007 23:41 #2
    ChloeJane
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    Default Re: Welcome finance PPI HELP NEEDED!!!

    You did the right thing! They are fobbing you off. It was mis sold if it would not have covered you and despite what they say, you would be able to claim.

    Post back and let us know how you get on!

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  3. 5th December 2007 21:02 #3
    tricky247 tricky247 is offline
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    Default Re: Welcome finance PPI HELP NEEDED!!!

    i have sent a 2nd letter, but have recieved no reply. they have tried to ring me again, left an answerphone msg asking me to call them. i don't really want to talk to them though. i want all communication in writing but they dont seem to listen!!

    so when can i go to the financial obudsman? what are my next steps?? really apreciate any help as feel like i am going in circles!

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  4. 6th December 2007 20:29 #4
    hellhasnofury hellhasnofury is offline
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    Default Re: Welcome finance PPI HELP NEEDED!!!

    Quote Originally Posted by tricky247 View Post
    i have sent a 2nd letter, but have recieved no reply. they have tried to ring me again, left an answerphone msg asking me to call them. i don't really want to talk to them though. i want all communication in writing but they dont seem to listen!!

    so when can i go to the financial obudsman? what are my next steps?? really apreciate any help as feel like i am going in circles!

    Hello

    I would certainly report them to the Financial Services Authority and the Office of Fair Trading for their conduct so far. The majority of complaints I see so far on this site is this company. These enforcement authorities, will not investigate individual complaints, but will keep a file of complaints on these companies and if enough complaints are made they will investigate and fine them.

    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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  5. 6th December 2007 22:04 #5
    tricky247 tricky247 is offline
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    Default Re: Welcome finance PPI HELP NEEDED!!!

    Hi thanks. yes i think my next step will have to be to report them. how do i go about that?? is there a template letter? thanks

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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE