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)


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  1. #1

    Default Received A Letter From Welcome Offering To Give Refund ??

    Hi all.

    Not been on here for quite a while but I am really stumped with this.

    Between 1995 and 2000 we had 4 loans from Welcome
    3 paid off but one we defaulted on

    because of all the force tactics and extortionate charges for phone callsicon and letters I just stopped paying,
    I know it was wrong but thought " sod them they have had enough from me "
    I did make a successful claim for PPIicon and got paid out, great i thought.

    Just received a lettericon from them today stating irrecords show that I am due a further refund as the original offer did not fully put me back in the position I would have been in if I had never bought PPI in the first place.
    I have moved recently but it states

    " we have previously written to you regarding this with a additional offer of compensation which still remains outstanding".

    Due to the time that has passed we have recalculated our offer to include additional compensatory interest of 8% per annum and I have enclosed a revised acceptance form for you to sign and return to us.

    Our additional offer of compensation is .

    It states.

    " Our offer of redress will expire six month from the date of the letter, once signed and dated payment will be made within 15 working days."

    They are requesting copied proof of identity, bit suspicious of this as it's from WF and could it be a ploy or [problem] for me to recognise the debt I still owe.

    Has anyone else had this.


  2. #2

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    cant after 6yrs..its statute barredicon

    so go get that money and enjoy it.

    send a ctax bill copy. that should do.

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    DX
    RIP Martin3030

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  3. #3

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Thanks for the advice, really appreciated.

    As stated I still owe them money and I think we all know about the underhand tactics of Welcome Financial services and with this in mind would it be possible they are just after me recognising the account, and if there is compensation due then there is a 99% chance they will offset the compensation against what I owe them.

    If this does happen my question is :
    Does or will this offset payment be classed as recognising the debt and open a can of worms.

    Forgot to mention but put the dates in wrong, we had the loans 2008 - 2012, haven't got a clue where I got them above dates, still over 6 yearsicon though.

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  4. #4

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    they could offset but it wont reset anything

    once barred always barred.

    dx

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    RIP Martin3030

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  5. #5

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Thanks for the advice and help, I will send it back then and see what happens.


  6. #6

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Just giving you a update.

    Sent the forms back on the 7th Oct and had no reply back as yet. Stated on the letter received it could take upto 15 days so assuming this means 3 week.

    Just thought I would let you know.


  7. #7

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Quote Originally Posted by derbypub View Post
    Just giving you a update.

    Sent the forms back on the 7th Oct and had no reply back as yet. Stated on the letter received it could take upto 15 days so assuming this means 3 week.

    Just thought I would let you know.
    Hello. What was the outcome of your refund ? Did you get it ?
    I have received one of these letters today offering a refund. I was surprised as I think they already knocked off the PPIicon from my original claim from about 8 years ago.


  8. #8

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Sorry for Delay in reply.

    No nothing and to be honest I don't think I will be seeing any thing, with something like this I would usually copy and keep for future reference but didn't sorry I cant be a bit more helpful.


  9. #9

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    why not!!

    chase m up then...

    Winston start your OWN THREAD please

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    DX
    RIP Martin3030

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  10. #10

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Not sure who to contact to be honest, can not believe I didn't copy the letter, I am really mad at my self, if Winston puts a copy up on his own thred then I will contact them

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  11. #11

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    who you sent the letter back too??

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    RIP Martin3030

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  12. #12

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    I feel such a idiot saying this but I cant remember. but I don't think the address was Welcome but having said that I am no sure.

    I know how this sounds but I know, I messed up not getting a copy

    I think it was something like fcs or somthing

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  13. #13

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    FSCS but that's welcome anyway as they are acting under their instructions so welcome finance.

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    DX
    RIP Martin3030

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  14. #14

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Quote Originally Posted by dx100uk View Post
    FSCS but that's welcome anyway as they are acting under their instructions so welcome finance.
    Sorry, I do apologise but what does that mean ?

    was it welcome who contacted me or FSCS and who would I speak to regarding this, I have been looking around the interweb but it looks like WF are no longer trading according to the FSCS.
    https://www.fscs.org.uk/what-we-cove...lcome-finance/


  15. #15

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    welcome are still trading yes.
    welcome PPIicon staff operate there and under the fscs rules
    sometimes its welcome
    sometimes it fscs.

    ring up welcome and ask whats going on
    p'haps they didn't update your address?

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    DX
    RIP Martin3030

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  16. #16

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Right.

    Firstly thank you for all your help in this matter.

    Been in contact with FSCS and they had no record of any letter sent out.

    Contacted Welcome and they knew about it, what they owed me in underpaid PPIicon has been offset against what I owed them from over 6 yearsicon ago, which apparently states this on the letter so cant argue

    So if anyone gets a letter saying they owe you more money and you still owe them then don't bother.

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  17. #17

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    most welcome debts have been sold on and unless the refund is coming from/under the direction of the FSCS they CANNOT offset unless they own the debt

    if the loan has been sold on...welcome cannot offset unless they buyback the debt.

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    DX
    RIP Martin3030

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  18. #18

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Mmmm, well.

    Not sure if the loan was sold on or not to be honest and rang FSCS today regarding the letter and they stated they had no records of sending it.

    Is there a way I could find out if the debt was sold on ?

    Also I am almost sure it was a secured loan, would this make a difference ?

    Just to add, we lost our home due to unforeseen circumstances about 6 year ago and the mortgageicon company sold it for less than half the true value.


  19. #19

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    Can't of been sold on
    Won't be secured.you no longer own the home it was secured upon

    Sb in E&W solely means they can't enforce a court judgement..the debt if the OC owns it still exists in their books

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    DX
    RIP Martin3030

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  20. #20

    Default Re: Received A Letter From Welcome Offering To Give Refund ??

    So let sleeping dogs lie then


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