Hi all,
Second time on CAGicon after a successful bank charges claim, I'm tackling Welcome now!!

Took out a secured loan in 2003 for £15,000 over 180 months, APR 20.01%. They included Homecare, Lifecare + PPIicon, that totalled a loan of £3016, bringing total of loan to £19,901, payments being £295.07 pm. I of couse stupidly signed for this, with a witness, being completely naive at the time. All done over the phone, with various documents being sent to + fro in the post.

Asked for a settlement figure, just out of interesticon, in Nov 2008, and nearly had a heart attack when I saw that I've already paid £16,429 and that I still have to pay £21,454, totalling £53,112 which I started off with in 2003! Had I known about the 53K I would NEVER have signed up for this!

Am now determined to not only claim back what is owed to me (ie. PPI etc) but also over payments. As far as Im concerned I've paid Welcome their £15,000 and now they're taking liberties.

Have sent Welcome a SARicon, to which I recieved nothing back, and am about to send a letter to the ICO, FSA and fosicon with a copy to Welcome included with their letter of non-compliance. Im also going to send SARs to the insurance companies that cover the lifecare, homecare etc. to see if they have actually heard of me!

Would appreciate it if anyone could give me their advice on this. Am I only to claim back PPI etc, or can I be cheeky enough to try + get back more? I know it may take a while, I spent about 9 mths on my bank charges claim, so Im in no hurry!