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. #1
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    Smile Welcome Finance - Read this for a laugh !!

    Hi Guys

    Just thought I would let you know the following: I have submitted a claim with Welcome Finanace for missold PPIicon - following all the guidelines etc. I have asked them to respond within the applicable timescales. I sent the letter recorded to the local branch and also to the head office ( just to cover my own back ). To date I have had no response in regards to my PPI but my partner has just taken a call for me from them, telling me I can top up my loan if I wanted - Guaranteed !!!
    Now while it is very tempting to do this - I am by no means stupid and definitely smell a rat - and also after reading the threads on here concerning Welcome anyway , I plan to go all the way.
    Just wanted to let you all know, by the way how successful is it to get PPI back from them ?? Can anyone help ??

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  2. #2
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    Default Re: Welcome Finance - Read this for a laugh !!

    Hi, very interesting indeed, and if they continue with their 'no response' mode, your case strengthens IMHO

    I think a good starting point would be to issue a S.A.R - (Subject access requesticon) so that you have all the relevant paperwork relating your loan before you continue in earnest with your request for return of money from mis-sold PPIicon.

    I'm about to do this myself for a couple of Welcome loans so we can join the merry band of folk in this forum who are tackling Welcome.



    'Fortune favours the brave.'








    Any advice given is purely on the basis of my own views and opinions and offered in good faith.

  3. #3
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    Smile Re: Welcome Finance - Read this for a laugh !!

    Hi Paintball

    Thanks for your reply. I got a reply back in response to my letter. Totally ignored what Ive asked them for and instead they have sent me all my agreements that I have with them. Now I dont know whether I am out of my depth here, I requested that they refund me all PPIicon as I believed it had been mis-sold, but like I say, they ignored this. How far can this go with Welcome ? Do they ever settle before it would get to court ? I am just a bit frightened by it all tbh but am stubborn and want back what is rightfully mine

    Your help would be greatly appreciated - and thanks again for taking the time to reply to me xx


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    Default Re: Welcome Finance - Read this for a laugh !!

    this is how i started

    first told them wanted missold PPIicon back - as i looked i noticed they had also added somethin else on to. i had not ticked any of the boxes.

    they told me they would stop the ppi but would not refund what had already been applied, thats even the intrest on top.

    so i said ok to having it stopped and asked for proof of it in writing

    next thing i know, i'm issued a court letter.

    going to fight them though.

    you need to upload your agreement - so we can all have a look


  5. #5
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    Default Re: Welcome Finance - Read this for a laugh !!

    Hello wia ( short for welcome it aint )

    Re: Welcome Finance - Read this for a laugh !!
    Hi Paintball

    Thanks for your reply. I got a reply back in response to my letter. Totally ignored what Ive asked them for and instead they have sent me all my agreements that I have with them. Now I dont know whether I am out of my depth here, I requested that they refund me all PPIicon as I believed it had been mis-sold, but like I say, they ignored this. ( A Typical response to start with) How far can this go with Welcome ? A long way but your have the fosicon or courts to go through before you win!! Do they ever settle before it would get to court ? Quite often and in fact most of the time the settlement is agreed before a claim arrives in Court. I am just a bit frightened by it all tbh but am stubborn and want back what is rightfully mine. Do not be overawed by this, the banks and other financial institutions are more worried about settlements. They have not followed the Rules of Legal Legislation and so are being hit with very large fines from the FSA. Latest fine £7m for the Alliance and Leicester. WHO IS NEXT?
    Your help would be greatly appreciated - and thanks again for taking the time to reply to me xx
    Time to step up the claim, Painty aka Paintball is surely on the ball with claims and will help so will all of the CAGicon. Just ask questions and someone will pick up an help out. Good Luck.

    aa



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