Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


+ Reply to Thread
Results 1 to 15 of 15
  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    dread123 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Apr 2006
    Posts : 2 (0.00 post per day)

    Default Welcome finance pre 1999 ppi problems? help?

    i had a HP agreement in novemeber 1998 for a car taken with welcome finance. Recently i thought i would try and find out if PPIicon was included. I was young and silly at the time but needed a car.
    Through writing to WElcome -i have found out i did have PPI and what the premium was paid including the dates taken out and also a policy number. - all paid off i may add.

    Welcome have stated they dont know who the underwriter is with?? i have contacted:
    Aviva
    Llyolds

    in relation to this and both even after quoting policy number etc have denied being the underwriter?? I,m not sure who else to contact in regards? anyone else have any underwriters for arround that time that i can contact please?

    any help would be appreciated. thanks


  2. #2
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2010
    Posts : 22,980 (7.77 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    Do you have statements etc? Then you can just file a claim against welcome. Their problem to find the underwriter. Not yours.

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    dread123 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Apr 2006
    Posts : 2 (0.00 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    sorry no statements- i originally went through resolver website- welcome then sent me letter stating that they had no details on underwriter as it was before 2004? So icalled them -they gave me the policy number for the PPIicon and how much my premium was. Along with the dates of the agreement and my welcomde account number. Still no details on the underwriter- so i contacted 2 known underwriters whom advised its no them.


  4. #4
    Royalties Account Holder renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp Authoritative renegadeimp's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Aug 2010
    Posts : 22,980 (7.77 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    Unless you can get the statements through a SARicon, which is an extremely long shot and doubtful youll get it given the amount of time thats passed, theres nothing more that can be done

    Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..


    If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks
    Follows
    0
    Following
    0

  5. #5
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 118,940 (27.75 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    why are you going after the underwriters have welcome said go away

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    1
    Following
    0

  6. #6
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    catsybabe Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Mar 2010
    Posts : 4 (0.00 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    hi hun I don't know about - car finance but they miss sold my loan and insurances luckily I had a refund through the finantial services compensation scheme they are currently paying out this moment for and behalf of welcome finance ring them and they will be able to tell you


    you need a dsar (data Subject access requesticon ) under the Freedom of Informationicon act you are requesting a full dsar you will have to phone welcome tell them that you are requesting a full dsar and they will tell you that you will have to send a cheque payment to welcome finance of 10.00 this gives you a copy of all the information about the sale of your policy who the underwriters are insurers everydetail the hold on the system will be provided to you they cant deny this because if they do you can report them to the ICO - information commissioner you can still phone the ico.org.uk - because they are withholding information from you and this is against the law under the Freedom of Informationicon act - you can report them for this but do ask for a dsar and then you will have the information that you need for your claim


    so you need to


    contact welcome and request a full dsar
    phone finantial services compensation scheme and start your claim - they will probably have the information of the underwriters there because many people would have gone to them for welcome re- claim as I know they are paying out at this moment and still taking on welcome complaints .
    and if you still feel that welcome are withholding information go to them you can speak to them in person and the website address I have given you they have a live chat option also . I hope it goes well and start tomorrow give them a call . these people will help you like they helped me .


  7. #7
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 118,940 (27.75 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    SARicon<<clickme is all you need to do.
    as has been advised
    noting to do with FOIicon act!!

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    1
    Following
    0

  8. #8
    Gold Account Holder Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2008
    Posts : 5,383 (1.50 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    just spoke to welcome they have no record of a car loan I had with them from 1997/8 - they state no records from my info from a garage I got the car from stating welcome they used in those days, my old address etc etc = Oh! well worth a try as I know I had PPIicon, but the underwriter thing was the comment would I know Who?? Dam Blast!

    Follows
    0
    Following
    0

  9. #9
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 118,940 (27.75 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    aviva [Norwich union] I will guess
    ask them

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    1
    Following
    0

  10. #10
    Gold Account Holder Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2008
    Posts : 5,383 (1.50 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?



    Follows
    0
    Following
    0

  11. #11
    Gold Account Holder Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2008
    Posts : 5,383 (1.50 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    well they still state no records found referring to the DSAR they acknowledge receipt of:- I know it was welcome and the garage stated HP welcome for poor credit or lloyds for good credit I know it was welcome finance

    Follows
    0
    Following
    0

  12. #12
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 118,940 (27.75 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    who aviva?

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    1
    Following
    0

  13. #13
    Gold Account Holder Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2008
    Posts : 5,383 (1.50 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    there next!

    Follows
    0
    Following
    0

  14. #14
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 118,940 (27.75 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?



    the track record with aviva and these old welcome loans is quite good.

    dx

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    1
    Following
    0

  15. #15
    Gold Account Holder Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger Highly informative Old Cogger's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2008
    Posts : 5,383 (1.50 post per day)

    Default Re: Welcome finance pre 1999 ppi problems? help?

    good! welcome state cannot find any account after I gave them all the info except account number as I did not have it , but garage stated Welcome finance was used

    Follows
    0
    Following
    0


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details