Jump to content


  • Tweets

  • Posts

    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Welcome/Norwich Union PPI.


conchy_joe
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1966 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi everyone,This is my first time on this topic

 

.I am currently paying off two loans on reduced payments, one with Welcome which is almost finished and one with Norwich Union which is halfway through.

 

The Welcome document shows an optional payment protection insurance for £344 and healthcare for £170.The Norwich Union shows an item for Norwich Union Creditcare Gold for £369.Would I have case to reclaim these charges.Both date back to 2001.

Link to post
Share on other sites

  • 2 months later...
  • Replies 95
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi everyone,

 

I took out two loans in 2001,

 

the first was with Welcome Finance and

 

the second with Norwich Union.

 

The Welcome loan was for £1300 but I was also sold "optional" payment protection for £344.67

 

and Healthcare for £170. the APR was 57.1%.

 

The norwich Union loan was for £1000 but they also added "Norwich Union Creditcare Gold"

which came to £369.50.the APR was 21.8%.

 

When I look at the loan agreements now I'm amazed to see that the Welcome loan ppi/healthcare comes to 39% of amount borrowed

,and the Norwich Union loan creditcare gold comes to almost 37%.

 

The Welcome loan has been paid but I'm repaying the Norwich Union loan to Cabot(who have bought the debt).

 

Does anyone know if I have a chance of reclaiming these ppi's.:confused:

Link to post
Share on other sites

Yes indeed you do, get you claim in pronto ;) it was massively mis-sold and was just a money spinner for the financial sector.

 

Read the links at the top of the PPI FORUM loads of info there to get you on your way.

 

Good Luck

 

If you need more help or advice post here and someone with the knowledge will be along.

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

Link to post
Share on other sites

  • 1 month later...

Hi everyone,

 

Today I phoned the OFT regarding claiming back PPI.

 

I was told that any agreements prior to 2005 were dependant on the finance/credit card company

being members of the General Insurance Standards Council,

 

if the company was not a member of GISC it could make any claim difficult.

 

Does anyone have any info regarding this matter.

Link to post
Share on other sites

Hi, The FSA regulates PPI from Jan 2005, prior to this it was regulated (to an extent) by the GISC. Insurance companies did belong to the GISC but Finance comapnies were not compelled to to join.

Ask the Insurance company if they were members of GISC

  • Haha 1
Link to post
Share on other sites

Hi PPI-HELP,My claim is against Welcome and is for approx' £780.Do you happen to know what this company is like to deal with.I'm told they have now been taken over,would this complicate my claim.

 

Some info on welcome.

 

305742 - Welcome Financial Services Limited

Current status: Authorised Effective Date: 02/11/2004 Tied Agent:

Undertakes Insurance Mediation:

Registered under Money Laundering Regulations:

Address: Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

Nottinghamshire

NG11 6NZ

Phone:44 0115 984 9200

Fax:44 0115 984 9302

Email:[email protected]

Website:www.cattles.co.uk

Notices: Unable to hold client money.

305742 - Welcome Financial Services Limited

Regulator Name Firm reference number Effective From To Financial Services Authority 305742 02/11/2004

Complaints Officer Address: Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

Nottinghamshire

NG11 6NZ

Phone:44 0845 618 7804

Fax:44 0115 984 9302

Email:

Website:www.cattles.co.uk

Hope this is of use

aa

 

 

 

 

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

  • 1 year later...

the advertisements, the claims management companies – and most of the lawyers don't understand the principles involved here and therefore they don't know what your talking about.

 

If you claim the refund of payments on PPI which has been mis-sold to you, you are seeking the return of money paid under a mistake. The six years limitation period begins from the date that you appreciated the mistake or the date that you could reasonably have done so.

 

This means that if you only realised that PPI had been mis-sold to you, say, three years ago, then the six-year period began from that moment which means that it would have another three years to run.

 

If it was only reasonable that you could have discovered the mis-selling now, then the six-year period begins now and runs to 2017.

Link to post
Share on other sites

Thanks Bankfodder,We have had several loans over the last ten years or so,also a couple of credit cards.Can you tell me if there is a step by step guide to reclaiming PPI. From what I can gather it seems more complicated than the bank charges were.

Link to post
Share on other sites

The claim is not really all that complicated at all Joe.

 

Assuming you do not have copies of all the agreements, your first step would be to send a Subject Access Request (SAR) to your creditors.

 

This is a legal request for them to provide all the information they hold on you as a data subject.

 

There is more information about the SAR on the PPI homepage sticky entitled "full sar for ppi"

 

Once you receive all the documents give us a shout and someone will be along to help you with the next step.

 

Don't forget to send the letter addressed to the data controller at the creditors registered address and post it special delivery, keeping a copy of the receipt as proof of postage.

 

Good luck

 

DJ

Link to post
Share on other sites

  • 6 months later...

Hi everyone, Does anyone have an up to date address for Wellcome Finance ?.I'm in the process of reclaiming PPI from them.I sent off the first letter in August and got no reply.I used the address on the loan form, Wilford Business Park,Notts.

Link to post
Share on other sites

ruddington is the mere way address (compliance)

 

things have a habit of going mising

 

send recorded to this address and head it welcome finance

 

Cattles Limited Registered Office:

 

welcome finance

Kingston House

Centre 27 Business Park

Woodhead Road

Birstall

Batley

WF17 9TD

Link to post
Share on other sites

Beware i got my loan and PPI from Welcome finance and wasted an entire year exhausting thier complaints procedure . Getting no response i contacted the ombudsman who ordered Welcome to issue a final response .

 

The response stated i must direct my complaint to Bluesky Personal Finance and to this day i have no idea why ? something to do with broker ?

 

Bluesky Personal Finance

Tintern House

William Brown Close

Liantarnam Industrial Park

Cwmbran

Gwent

NP44 3AB

 

Anyway i wasted a year writing to Welcome , then another year writing to Bluesky , then another year writing to the Ombudsman , and this week i lodged a complaint against the financial ombudsman service because i am convinced the director actually owns both bluesky and welcome and so it is he whom ripped me off to begin with .

 

Its been a total waste of time for me but i wish you luck .

Link to post
Share on other sites

  • 3 weeks later...

Hi everyone,I complained to Welcome Finance in August re PPI,today I received a letter from them (Final Response) they state that my complaint "is outside the relevent time limits."

They go on to say that "The rules of our regulator(FSA) state that where a complaint relates to an event that took place before 27 February 2003 we are not required to investigate your complaint.Sales of insurance made before this date were the responsibility of the insurance provider,not the broker who sold it"

They say as a result they have not investigated my complaint,and that if I am not happy with their decision I should deal with the FOS..within six months.

I really detest these bottom feeders and would be grateful for any help.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...