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snugglecheeks

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About snugglecheeks

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  1. ok if you could, need more info. This is what welcome are throwing in my face. Am off to bed, up early to work at the salt mine.
  2. does anyone have anymore info on this case. Ive tralled the internet and this is all I can find: 2007] CTLC Griffiths v Progressive Financial Services Limited Griffiths v Progressive Financial Services Limited t/a Welcome Financial Services The High Court of Justice (Queen's Bench Division) Liverpool District Registry, Mercantile Court Before HHJ Pelling QC (Sitting as a Judge of the High Court) 26 July 2006 Consumer credit - Consumer Credit (Total Charge for Credit) Regulations 1980 —mortgage indemnity fee — whether insurance premium — whether credit or part of the t
  3. does anyone have anymore info on this case. Ive tralled the internet and this is all I can find: 2007] CTLC Griffiths v Progressive Financial Services Limited Griffiths v Progressive Financial Services Limited t/a Welcome Financial Services The High Court of Justice (Queen's Bench Division) Liverpool District Registry, Mercantile Court Before HHJ Pelling QC (Sitting as a Judge of the High Court) 26 July 2006 Consumer credit - Consumer Credit (Total Charge for Credit) Regulations 1980 —mortgage indemnity fee — whether insurance premium — whether credit or part of the t
  4. does anyone have anymore info on this case. Ive tralled the internet and this is all I can find: 2007] CTLC Griffiths v Progressive Financial Services Limited Griffiths v Progressive Financial Services Limited t/a Welcome Financial Services The High Court of Justice (Queen's Bench Division) Liverpool District Registry, Mercantile Court Before HHJ Pelling QC (Sitting as a Judge of the High Court) 26 July 2006 Consumer credit - Consumer Credit (Total Charge for Credit) Regulations 1980 —mortgage indemnity fee — whether insurance premium — whether credit or part of the t
  5. anybody in scotland please read this thread.
  6. ok i'm talkin to my self. well any way I looked on a gov.co web site consumers act bla bla. it explains the act. further to your chat the other nite - fees are added to charge for credit no interest added, but spread over time of loan. I am a part quailified accountant, got into a bad situation when I split from my hubby, was left with a lot of debt.
  7. Hi folks not been on for a while. heres my update. I have now got someone checking over my complaints and I have got a refund for unlawfull charges;) but still getting knowwhere with fees etc. I wrote to them with all the calculations showing that they have charged interest on both fees then added them to charge for total credit, was told that was a load of rubbish and was then quoted some case that they won about the same complaint. I also asked them why I was charged a mortgage indemnity fee on a £12,000 loan when I thought this only applied to mortgage loans over 80% of the property v
  8. cheers for your support. if and when i get the result I want i will let everyone know. all i can say for now is that we are dealing with a bunch of loan sharks:eek:
  9. not been on for a couple of weeks, but wanted to give you an update. I sent off my letter and was contacted saying someone was dealing with it, I also got a friend who deals with financial contracts to look over my aggreement, dont want to say to much as I have since sent another letter to Welcome, but lets just say that things arent quite right and dont add up:!: !!!!!!!! and I intend to fight this until I get a satisfactory outcome.
  10. the address i was given by them on friday is diff fron the one you gave - is this a correct address - bishops house, abbeyfield road, lenton, nottingham ng7 2sz- thats where i sent recorded letter?????????? I will scan agreement at work tomorrow on to web site - dont have scanner here.
  11. I took out a secured loan with welcome 3.5 years ago. got a strange call on my moby a few months back telling me to check my agreement?? after fone calls letters etc i finally got a copy. to my suprise insurences i know for defo i didnt sign for were added on and also after checking have noticed they are charging me interest on my accept fee and indem fee. previous to this i cancelled my dd and waited - got the call and i said ive waited weeks for a copy of my agreement, the guy was far**ng smarty's on the other end of the phone, told me he couldnt deal with any complaints, but to write to he
  12. ok thought i was on a site that gave me advice on my agreement. should i be paying interest on my accept fee and mortgage endem, i think not, but i am.
  13. can anybody answer my question re my welcome aggreement. i am not to sure how this forum works, but i have read through all the pages, or should i just get an indepentant financial advisor to look at ny aggreement. welcome finance have made my life hell, turning up at my door demanding money then denying they got the money. god knows where the cash went?????????????????
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