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iwantoneplease

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About iwantoneplease

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  1. Well that's it now all paid up, Thank You Welcome Finance just banked my final PPI refund cheque for 2025.10. Took a long time and some stress but positive outcome in the end!
  2. Just wanted to update you all, my credit report has now been ammended and yesterday I received a check for £3,818.87 for 2 of my accounts just one more left to go, sent all the information off again today so will start to chase up on Thursday!!!!
  3. It's taken my from July as my account was in such a mess, I bombarded them with letters all registered delivery and calls I also lodged a complaint with the FOS. I've kept a log of all contact I have had with them as this is needed with the FOS. I also sent them copies of statements showing the overpaid amount to make sure they had everything to hand. Everytime they sent me a letter saying thanks for being patient we are dealing with your complaint I send a letter in response reminding them how long they had left to ressolve my complaint. There 8 weeks was up ages ago but I receive
  4. I want to claim compensation from Welcome as due to them seriously messing up my account I have paid extra APR on my new car in fact my last two cars. My account was settled in June 2007 but welcome messed about so much that they said I owed £512 on my account which I paid half has requested and they placed a default on my account in August 2009 for the rest. At the moment the FOS are involved and Welcome have repaid the amount I have over paid but have not removed my default. I've be turned down for several things and have paid extra for the 2 cars I've had since 2007. How
  5. Could someone have a look at my letter please: I am writing in response to your letter dated 12th October 2009, with regards the insurance sold with my HP Agreement.Your reference is ******** I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests so I request that you look into my complaint again. With reference to your letter "I would like to take this opportunity to point out that your loan agreement pre-dates the regulation of our business by the Financial Services Authority, and therefore the p
  6. Could I have some advice please I really need to contact these back asap. Thanks
  7. LETTER BEFORE ACTION Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxxx You have failed to respond to my letter of the [XXXXXXX - date of preliminary letter] and its enclosed schedule. If you do not remove the default and late payment entries from my credit file within 14 days I shall issue proceedings in the County Court and without any further notice to you. How do I word the bit about compensation as my account has been cleared from June 2007 and they have just defaulted my account August 09. If this had been sorted out in 2007 I would have clearly got a better apr for
  8. FOS have recieved my complaint and will contact me in due course, Any luck with a template letter yet Electric2?
  9. Sorry I posted this in the wrong place last time. Does anyone have a template letter for getting a default and late payments removed off my credit report. My account has been paid in full since June 2007 but due to some idiot at welcome seriously messing my account up I have just recieved default, they are repaying the amount they owe back to me but there dragging there feet getting my credit report cleaned up. I would like a letter that says they have a set amount of time to do this as I keep getting told there is a back log for the credit agencies and this could take several m
  10. Does anyone have a template letter for getting a default remove off my credit report. My account has been paid in full since 2007 but due to some idiot at welcome seriously messing my account up I now have a default, they are repaying the amount I have paid back to me but there dragging there feet getting my credit report cleaned up. I would like a letter that says they have a set amount of time to do this as I keep getting told there is a back log for the credit agencies and this could take several months. Also does anyone know if it's possible to get London Scottish to change
  11. Yes mine says Final Response but came on it's own no leaflets included. I've already lodged this with the FOS but I'm waiting to hear back from them did that end of August.
  12. Where do we need to go from here then, what response do we need to write back to Welcome?
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