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.
hope you can help me.
I've checked all posts on this forum and first what I can say is.. thank you for helping people with all that mess.
I have same problem (PPI) I've copied a letter from this forum and want to send it to welcome finance.
There is few things I dont really understand. I have not finish my loan yet, so should I ask for cancell PPI from my contract and refund PPI charges I've paid so far? I got all documents ready but because my English is not perfect just need someone to check them 4 me.
Also I'm not sure if I put correct figures on this letter.
would you like to help me?
BTW I've never received statement or any document to keep me up tp date with my loan payments. I thought this is my right to know what my ballance is. When I asked for settlement they charged me £45.79 for that Is that ok ?
Customer Relationship Centre
Welcome Finance
Bishops House
Abbeyfield Road
Lenton
Nottingham
NG7 2SZ
15 February 2009
Dear Sir/Madam,
Ref – xxxxxx
On the 18th July 2008 I took out a £2500 loan at your Watford branch and also bought a payment protection policy which would cost me an extra £1528,25 over the life of the loan. The total amount of my premiums plus interest is £ 2909.68.
When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.
In forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.
I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation as I did not need this insurance and said at the time of taking the loan that I did not want it.
I am requesting a full refund of all my insurance payments, plus interest, which total £ ????????.
I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.
If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that this time frame is sufficient for a large company such as yours with its dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.
Slava Hi
You must reove your personal information before posting i have notified a Moderator to remove or alter your post.
Just photocopy what youwant to show and delete your name, address ect....
AL.
------------------------- CAPITAL ONE * SETTLED*31st Oct 06 HBOS *SETTLED* 8th Oct 06 WOOLWICH *SETTLED*12thJan2007 Monument (Barclays) *SETTLED*10thMar2007
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Slavka as outlined-please remove personal details to protect your ID before posting.
If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon. Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed. Donations help CAG to help YOU Click here
Go directly to head office. I was dealing with him, he wont be able to asisst you at all. He does not have any authority at all. They keep insisting I go into the office to discuss matters.
Slavka
I would send an SAR you will need a £10 postal order and send it registered post so you can track when they recieved it. Adapt this to your needs.
I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards
Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.
- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.
-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
I enclose a cheque in the sum of £10 to cover your fee.
IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.
I look forward to hearing from you in the first instance of receipt.
Yours faithfully
Your name
Sign your signature and put a line through it so you will know if you see it again You never know
They have 40days to comply under the Data Protection Act, but do be nice and allow some time for postage. Which should always be by recorded delivery, so you can prove that they did receive it.
While wating for there reply read through this forum about PPI reclaiming it will give you an insight into the way some of these companies work, (or not in some cases).
AL
------------------------- CAPITAL ONE * SETTLED*31st Oct 06 HBOS *SETTLED* 8th Oct 06 WOOLWICH *SETTLED*12thJan2007 Monument (Barclays) *SETTLED*10thMar2007
ok, I've just received all docs from WF, but what should I do now? I have all paperwork inc PPI. Can I send a letter that you can see in my first post?
PLS I really need help with this matter
Sadly I have to tell you that the Directors of ICM Electrical Ltd, under advice from a Business Recovery Company, have decided to put the company into Voluntary Liquidation. This is because the liabilities of the Company outweigh the assets and we see no possibility of redressing this situation in the foreseeable future.
This means that, with effect from today, you are no longer employed byICM Electrical Ltd. "
Can someone tell what is better in that sistuation?
- Claim PPI refund and try to finish this crappy contract or
- Use my PPI in this circumstances?
welcome finance PPI - big surprise
)
I've copied a letter from this forum and want to send it to welcome finance.
Reply With Quote
Re: welcome finance PPI
Originally Posted by slavka
You never know
