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milkybarkid999

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Everything posted by milkybarkid999

  1. Hi itsmeandonlyme (sorry for asking on your post sophes). I am also looking to claim back PPI but dont think I have a leg to stand on after just receiving my CCAs back. I have had 6 agreements dating back to 2002 and on the initial ones the CCA says "Optional Payment Protection Insurance" but it wasnt optional. (I have only noticed this now) The value was £257 on one, £465 on another, £78 on another. On my later ones this was allowed to be 0 (i.e. not taken) presumedly after they knew they were mis-selling. As the CCAs state Optional do I have any chance of getting it back after I have signed the agreement? thanks for your help
  2. The latest one was Feb 06. Unfortunately welcome just phoned and said that the Insurance Premiums Advanced were for medicare and lifecare which I would not have agreed to if I knew what they were and what they cost. I have 5 others that have lapsed. Welcome now have all of my agreements and statements available for me to pick up. I am going to collect them now. Not sure how interesting the reading will be but will post back soon once I know the bad news. Thanks again Tom
  3. Thanks everyone for your invaluable help. Just phoned welcome after my agreement numbers and they are calling me back. The reason I am chasing them is because I received the below settlement figure which is obviously front loaded with interest and I still owe them a fortune just with their interest paid off early (robbing gits) My settlement is below which looks a little strange and hard to decipher, any ideas? Type of agreement Unsecured Personal Loan Agreement Number *** Standard Settlement Total Amount repayable at start of loan 6193.08 (ouch) Rebate of acceptance fee and credit charges (17.26) Rebate of Payment Protection Insurance Premium 0 Collection Fees 160.00 (??) Default Interest Rebate (391.71) Less Amount I have paid (2065.35) Settlement Figure 4013.04 I note that the statement shows advanced insurance premium and a lot of charges. As they do not appear to have reimbursed any PPI (and seem to have charged it £325 at the start of the loan) does this seem legit? On the phone they did ask I have my CCA and I said I wanted them from Welcome so the next step will be to get my agreement numbers and proceed although the Branch Manager said that they handle these enquiries in their office and not head office? (is this usual?) Sorry to be a pain.
  4. Thanks Tom Do I send the CCA to Welcome also as I have heard the term DCA which I assume means Debt Collection Agency which I am not at yet. Regards MBK
  5. Hi Nanna (i wont double post again but as you have answered this could you help with my q below) Reviewing my Welcome statement and have found an entry for Insurance Premiums Advanced and Disbursal of Fees totalling £400. Is the Insurance Premiums Advanced the PPI insurance which I can claim back (have they renamed it to try and throw me off the scent) and also Disbursal of Fees, does any now what this is and if it is claimable? Many thanks in advance MBK
  6. Hi Reviewing my Welcome statement and have found an entry for Insurance Premiums Advanced and Disbursal of Fees totalling £400. Is the Insurance Premiums Advanced the PPI insurance which I can claim back (have they renamed it to try and throw me off the scent) and also Disbursal of Fees, does any now what this is and if it is claimable? Many thanks in advance MBK
  7. Thanks Nannamoon Spent a couple of hours trawling throught the Welcome thread and just couldnt locate a CCA letter so you are a great help. Didnt realise I could attempt to claim charges (extortionate ones at that) via Welcome as I thought it was only banks so hopefully something can come of my efforts. Once again many thanks and I will create a "me vs welcome" post when there is something to tell.
  8. Hi all loving the site, just found out Welcome have been lumping charges on me and I now owe more than I did 12 months ago on a 4k loan. Anyway I have compiled my SAR and want to know where I can find a CCA template as they do not appear to be in the templates section. Finally, do I sent these (SAR and CCA) together? Also, do I need a CCA for each account? Many thanks in anticipation
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