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.
Hello everbody, please bear with me as this is my first post here.
First of all I would like to say what a fantastic site this is, spent the last 3 days trawling through all kinds of posts and information, brilliant
My question would be about loans taken out with Welcome around 2002/03, please forgive me as I no longer have any paperwork with regards to them so I cannot give specific dates.
The first one was for £1000, and I was made to take out PPI or I would not get the loan, can`t remember details of the PPI.
To cut a long story short I continued to pay these payments for around a year until my (then partner, now wife) found ourselves in financial diificulties and I took out another loan with Welcome that paid all balance of first loan and gave us another £800.
Three months later I was made redundant, so I went to see Welcome about my payments and if PPI would cover these, after filling in several forms for claims I was told I could claim as I had not been in continuous employment for 12 months.
Quite simply on receiving this information, I could not pay.
Now after years of the debt being bounced around several DCC`s and myself making token payments, I was wondering if I would be in a position to claim th PPI back, I realise the PPI on the second loan has not been paid but it was paid(in full) on the first.
The total debt owed is currently around £3000, I do not now for sure the exact amount as I cannot find any letters from DCC`s.
My question is, to start the ball rolling who do I request the SAR from, Welcome or the DCC and will they still have all the details of loans and PPI taken.
Welcome Finance
or I would not get the loan, can`t remember details of the PPI.
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