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We are wondering whether the PPI could be claimed, the agreement is shown below:
From what I can see, there is nothing signed to say the "OPTIONAL Insurance" has been accepted. As far as we're aware, this could have been filled in AFTER the agreement was signed by my partner?
Also, my partner was in on medication for depression when she signed the forms, medical records would back this up, if that made a difference?
Yes it certainly does with interest at 49.5% contractual but as i said i have passed this onto postggj as she is more experienced with deal with welcome finance.
it is excessive yes but thats not the reason because you where mis-sold the policy in the first place it is deemed unfair that you should pay the interest on the policy also.
hi kristoff
go a pm to have a look
i will go through this this week end
to begin with why has welcome included your deposit, £750.00 thats b on the agreement in the total ammount payable
you are being charged on your deposit
agreement is crap by the looks of it
they have not taken your deposit off, added it to the total
hi kristoff
go a pm to have a look
i will go through this this week end
to begin with why has welcome included your deposit, £750.00 thats b on the agreement in the total ammount payable
you are being charged on your deposit
agreement is crap by the looks of it
they have not taken your deposit off, added it to the total
very naughty
looks like its your lucky day
Is the Total Amount Payable the remaining balance then? I've added up that the 42 weeks at £95.66 is £4767.72 minus the £750 deposit?
Obviously i'm not as clued up as everyone on here, so maybe it's worded wrong and should be alot clearer? Hope you're right
As I wouldn't like the OP to make themselves look stupid maybe I can clarify something.
The 'total amount payable' is exactly that - the total amount payable for the car INCLUDING the deposit, which was paid at the beginning. It doesn't have to be paid again, and if you add up the monthly payment x the number of months you will see that it comes to the total amount payable LESS the initial deposit.
The total amount payable figure needs to include the initial deposit because it is this figure upon which the Termination and Repossession rights are calculated.
could be claimed, the agreement is shown below:
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Originally Posted by postggj
