I meant to ' second ' Stewies quote in getting rid of Welscum Finance

I second that - you are so lucky !!

Is Andie in court today ??

Can anyone advise ? I feel like I am chasing my tail somewhat - I am totally clueless about this, hence the reason for by obsession with CAG !

Hi B-O-2 Im sure I did sign something at the time, but Im not sure what it was. I was just desperate like so many others on here, and with a new born baby, Id probably have signed my life away and not had a clue ! Im in the process of submitting a SAR, but god knows when Im likely to receive that !! I cannot find most of my paperwork due to having only just moved house, and wonder now what the next step is to take ?? Any advice is so greatly appreciated

Oh My Word !! What are they up to I wonder :-? hmmmmmmmmmmmmm Is it of the advice to stop making payments to them now on anyones agreement ? As far as I can see on here, almost everyone that has a loan with these nomarks, has had some discrepancy to report... What should I do with mine ? My loan payment comes out by DD every month and is never missed, when I had the loan paymwents reduced on it due to me being on maternity leave and I couldnt afford it, Im sure now that it was re-written. Is this correct ? Im getting confused with all the new info coming to light.......Oh how I would love to tell them to do one !!

Bump ???

I know we are all waiting in anticipation of Post's news on his rendevouz with the ' Dark Side ', but can any of you helpful caggers have a look at my thread, as I am possibly going to begin court action with GE Money, and I havent the first clue what or how to do it.... Thanks Guys Re: PPI Claim with GE Money / Mothercare Account

Well I have an update........GE Money have said that they do not agree with me, but that they will ' as a gesture of goodwill ', refund my PPI to my account. Unfortunately before it came to this, the debt was sold to their DCA Viking Services, who now effectively ' own ' the account. I remember initially when I spoke to Viking, they said that when I get my balance under the credit limit, I would be able to spend on the account again. Now I was planning to go into the mothercare store to purchase some baby things ( as I am nearly 5 mths pregnant now ), and thought I would ring to check this, just incase, and to possibly save myself some embarrasment should the card be declined. Now Viking are telling me that I cant spend on the account etc etc. In light of this, I have now requested the PPI be refunded to me, rather than the account, due to the conflicting information given to me. I have advised them ( and given them a date to sort it ), that if they dont comply, I will pursue via a court......( so scared about that ! ) Am I doing the right thing ?? Any advise as always is much appreciated

Any news on Post ? Hope all went well

Oh My ! Best get the duster out !! Wonder what that will hold ?? :?

Any news on Postie yet ??

Has anyone else had to log a complaint with the FOS as Welcome arent playing ball ? With me they are ' witholding ' part of my PPI refund, and so I had to take matters into my own hands and log it with the FOS. Silly me though as they have a HUGE backlog, and now wish I would have taken it down the court route - however I was afraid to do that, as I dont really know that much about it, and I have got two small children to deal with and am also nearly 5 months pregnant, and have been back and forth to hospital - so I thought the FOS would be the easiest route for me to take. I have spoken to the FOS to check on my cases progress, as even though I know it will take forever for them to sort it, I wanted to see what Welcome were doing ' behind the scenes '. The FOS advised that they had written to them twice, but they had failed to respond - Charming ! So, being in the frame of mind that I am, I rang the compliance dept to see what they were playing at etc....now awaiting a call from someone to advise me whats happening ( which I am highly unlikely to receive ). Cant just understand why they dont just settle up !! Granted there are maybe people out there who after the initial ' we dont agree with you letter, and we arent going to refund you ' , will simply just stop with their claim and think whats the point, but Welcome know they have a huge fight on their hands with the masses of us who are planning to take them all the way - just be done with it and give us our money back !! They arent very sensible in this respect are they ??

Why do they do that ? It seems a bit unfair, as it is ' my money ' what has been paid to them, I could deal with the arrears issue seperatley, and have been doing. Isnt there anything that can be done ? Seems like lenders can do what they like, when they like, and we are all just meant to put up or shut up !

I know this is way off, but would anyone mind if I asked a quick question ? Can a lender refund the PPI onto your account, even if there are slight arrears ? Or can a person insist that it is refunded directly to them ? Thanks x

I dotn think anyone can quite comprehend hjow much I hate Welcome Finance !! aaaaahhhhhhhh My only regret in life is that I took the damn loan in the first place !!!!!!!!!!!!!!1

Thankyou so much - first thing Monday - they will get a little reply letter from me !

Thanks for that - Does it make a difference if I was in slight arrears with them ? Is that why they have done it do you think ?

Stewie Can I ask a quick question ? If a lender ' refunds ' you your PPI premium, but credits it to your account, rather than to you, can they do this ? Or am I within my rights to insist it is refunded to me ? Thanks x

Hi To cut a long story short, and not to drone on, I have today received a letter from GE Money re: my PPI. Basically, I submitted a general letter to them asking them to refund my PPI that was applied to my account without my knowledge. I got the bog standard response of ' well we dont agree with you blah blah blah ' , but at the end of the letter, it said as a gesture of goodwill, they would refund the PPI premium plus interest - approx £200.00, but that this would be credited to my account instead of being refunded to me. Can they do this ? or should I ask / insist that it is refunded to me instead ?

I wish theyd have done it to me........Im just looking for more ways to upset them

We are talking about Welcome Finance here, and it is hard to say to people to try and not engage in calls with them, when they consistently harass you, call you at home, at work etc etc. At some point you simply must speak to them. It doesnt seems to matter how many times you tell them to leave you alone, that they are harassing you, they do not listen !

Go Go Go Princess !!!!!!!!!!!!!!!!!!!!!

I thought the whole point of this site was for different people to offer their opinions and opinions alone. What I dont like is the fact that you seem to be saying that others who give their opinions are ' wrong ', or ' 'incorrect ' and you dont seem to be giving any leeway there at all. Now back to the real problem......Make sure you get everything in writing, and keep copies / records of all calls and people you speak to....very handly if the case ever comes to court

Yes the agents