do you understand the last page? they add another £337 at the end for payment reverse? i have proof of the payment going through on the 30th?

also what do i do with the cheque they have sent? shall i mention that and send it back?, how do you think i should word the letter?

do you understand the last page? they add another £337 at the end for payment reverse? i have proof of the payment going through on the 30th?

You'd have to do a full reconciliation of the whole account comparing it to the actual payments you have made from your other accounts. Then see if it is accounted for in the final settlement figure.

Any discrepancy you find should be notified and queried with Welcome.

ims

also what do i do with the cheque they have sent? shall i mention that and send it back?, how do you think i should word the letter?

I'd hang on to the cheque for the time being as you don't want the act of banking it to be taken as acceptance of their offer. It will be good for six months anyhow.

Which letter are you wanting help with?

ims

i will scan it and put it up

how do you think i should word the letter?

No I meant the letter you refer to here

Hi there, Im not to far behind you in trying to reclaim unfair charges back from MBNA - they havent responded to my preliminary request (28 days since they acknowledged it) so im about to sent LBA. Good luck with your claim and Ill be watching your thread to see how you get on.

Madge

how do u attach an attachment

how do u attach an attachment

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

ims

not working

If you have the PDF saved on your computer follow the instruction above to the letter.

What part of the process is not working?

when i follow it and upload, it doesnt appear anywhere to insert

You did it in post #45

In the "Manage Attachments" window click on +Add Files->Click the "Select Files" button and navigate to the file you want to upload. Select it and click "Open". Hit "Upload Files" and the file will appear oin the top pane. Drag it to the bottom pane and use "insert inline" to put it into the message.

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

dx

Welcome Finance final response attached

RedactedLetter.pdf

Ok so the file is now up

They have made a partial offer.

The next step would be to issue them with an updated spreadsheet showing interest right up to date and make it a "Letter Before Action" giving them 14 days to pay the full amount you want. If they fail to do so yo would issue in court.

A look in the Barclaycard forum will give you some threads which will outline the process.

If you are going to sue then you must be prepared to put together a case with relevant case law and be prepared to appear in court and argue your case in front of a Judge

ims

hi all

just an update

i have sent my letter before action on the charegs and they said they are looking at it and will respond.

i have also in a separate complaint sent a letter reclaiming gap insurance.

They have said now that gap insurance is being dealt with by the fscs?

has anyone heard about this.

When i rang the "fscs" part of welcome they said yes that the first step was ppi which was last year

and gap insurance will be looked at this year and

all people who had it after 2005 with welcome will be written to and they can claim back the esmae way ppi has been done by fscs.

So they saying you have to wait now and they wont look at gap insurance till they start that project?

doesn't stop you putting in a claim yourself

has not GOT to go thru the FSCS

dx

yeah so i have done that but they trying to say they have sent it to fscs to deal with. I have sent a complaint letter in this regards. Should i just send a letter in 14 days demanding payment or take to court?

they are the fscs!

hit 'em with 14days

else you'll escalate the complaint.

i'd pghone the FSFC head office and ask what the hell is going on

they cant just put every claim on hold because some phone monkey says its true i bet

dx

hi there here is an update.

i spoke to the fscs and they have confirmed that they will be looking at all insurances sold after 2005 from welcome in the same way as ppi.

They have logged my details and said letters will be going out in the next 4 weeks or so in regards to missold gap

so they will be dealing with it and all claims now will have to follow the fscs procedure which is fine.

in regards to my letter before action,

they have said that there is no new info for them and so they go with their original final response with the cheque for £240.

I think now I should apply to the court for the full amount as i believe i am owed £1500.

the letter before action was in regarsd to unfair charges

hi there need help now, getting to the crunch.

ok they have now responded to the unfair charges and said as i have offered no new points

they stick to their final response and offer of £240.

they said i can write in but they will not respond on this anymore.

so do i now lodge a claim in the court,

do this online i believe?

can someone give me a bit of help in taking this next step.

Has anyone had the same procedure with welcome and then been successful at the court to get charges back?

you need to go via the n1 method

mcol does not give enough room for a proper poc.

dx