afternoon all

Hi have you had any advise on this one as yet?

with regards to this there is a script which is approx 3 pages where boxes are ticked to assess suitability for insurance. it is part of an 8 page script that should be used. you do not get a copy however - one should be kept on file with head office.

not really as all they have done is ask if you have enquired, not any personal info like how much you owe, where you live etc

sorry - can't be on for long. When you call CCCS to enquire about a DMP they update their systems and if you are a customer wanting to include a welcome debt - welcome can phone and see if you have been in touch with CCCS just by asking eg Has mr/mrs so and so called you regarding their debts? do you have a plan in place with them???

of course - or even just trading standards

Basically welcome have a branch solely for CCCS agreements where clients have gone to them for help - Welcome do searches to see who are with them/have made enquiries with them

Even the staff aren't made aware what exactly these charges are for. with regards to getting them claimed back - you can dispute them. Also Branches are able to remove them at their own disgression... You need to ask them to be removed according to policy. Failing that go straight to Compliance/CRC

Telephone charges - £10 - can only be charged if a) in arr's and b) broken an arrangement to pay eg; i will call on 31/03/09 and you didn't. Plus can only charge max 3 times in a month. Fee assesments are when the finance dept are supposed to remove/amend charges. Capitalisation are the interest postings, interest is applied to charge, account, arrear's - EVERYTHING Outside call fee is same principle as calls and letter - £25 - can only charge is broken arrangement and max charge is once a month. Letters £10 - only allowed to charge once a month and can only call you after 3 days from when letter issued or classed as harrassment Addhoc fees can also be anything from declined debit card payments, extra interest etc

* Telephone charges ( know what these are but want them refunded) * Fee assessment (all under a pound?) * Capitilisation (for all different amounts every few days?) * Outside call fee (£60, never had a home visit) * Letter fee * ADD HOC fee ( varying amount from £5 up to £100) I will right down what these all mean.

it means - your file shows on the Consumer Credit Councilling Service - a DMA company

I have missed so much - which thread is it you would like comment on??

Stewie - when you go to the branch, ask them to show how everything is calculated in front of you. I guarentee they will have a blind panic. They will adv PPI canx through another dept and will also adv unable to tell you exact figs

personal loans aren't however - interest is both charged and paid monthly

head office calculate it

with welcome a new charge has to be registered everytime

again generally just sold to hit a target as opposed to actually looking at a customer's needs

it is just the way it is sold. all staff do is tick a box to say you want it and sell it. it shouldn't be sold on longer agreements - but it is not against their policies

you also pay interest on it

the cover is only sold to cover 5 years, however - should be explained to you and you should have a copy of the leaflet at time of sale

yes - all paper documents were couriered to head office in nottingham for data image processing (DIP it was known)

Welcome are allowed to charge interest on acceptance fee. as far as i know yes What are the criteria for cancelling PPI for a lower payment within 30 days, for a month on month rebate after 30 days Is a rebate allowed i don't know other than the above How long without any reply can you put the account into dispute without recourse onto the customer 24 hours Backloading loan with rebate when capital should be re-calculated and new agreement signed rebates and PPI cancellations were dealt with through CRC - all through post

forwarded to compliance via eform on intranet

only the Branch Manager has access to external email

I wasn't - just a license to sell course