Recieved a letter re this default thingy, Just waiting on a letter from FSCS. Just wondering, I also want to claim back all the charges. Does anyone know if i can still try and claim this back from Welcome????

I am at my witts end with these excel spreadsheets, don't have a clue what i'm doing. there's so much paperwork, when ppi started and settling loans, acceptance fees and charges. really don't have a clue where to begin....... feel like going to one of those companies advertised on the telly to sort it all out for me. It's really getting me down.

Sorry to be a pain but i really don't have a clue what i'm doing. Do i use the advanced speardsheet for banks to work out the ppi and intrest?? Also can i add the fees and intrest from the fees on the same sheet?? Many thanks

Hi all Just seriously getting stuck into all of this, I've just noticed i have acceptance fees that have been charged and they are taking a monthly payment for the acceptance fee which is included in my monthly payment, Which inturn means they are actually charging me interest on the fees. Am i allowed to claim the fees back as well as any interest incurred?? Thanks in advance.

TBH I really can't remember if it was there or not but i think i wouldhave remembered a 2,000 charge.

Still going through all this paper work, Was just wondering if they should have sent me details of who the insurance is with? Also can i claim back all the charges they have added to my accounts??

Re the brokers fees. We signed the paperwork at home for a secured loan and knew nothing about it or the ppi, apparently the brokers fee is 10% which is 2 grand and the ppi is nearly 4 grand. We thought we borrowed 20 grand but in fact it is nearly 26 grand they are saying we borrowed. Plus they have put the payments up without informing us. This is just a total nightmare and i wish i'd never heard of them .

Hi thanks for your help. This is a real nightmare and i don't know where to start. I have even just found out as well as ppi on all my loans i have a £ 2000 brokers fee which they are adding interest on as well, Along with acceptance charges on my other ones which are also having interest added on. Do you know if i can claim back all these fees also?

Hello i have recieved my SARS from welcome today and i'm wondering what to to now? I have 3, yes 3 active loans and 2 settled ones. I recieved all the SARS this morning and clearly there has been copying and pasting going on It has taken me hours to sort everything out. I cannot believe the ammount of insurance i have been charged and the intrest thats going on it. So in short i want to take it further, so do i go to one of those companies that do everything for you or do i try and do it myself??? Please help with this nightmare!!!!

thankyou so much. i'll send that away tomorow. i will let you know how i get on. thanks again

thankyou x

Thankyou x

Yes 2 active unsecured 2 new agreements 1 active secured loan

hi folks, i have just found out about all of this and i must say i didn't realise that so many people have had so many problems with welcome. I have 2 unsecured loans and 1 secured loan. I had payment difficulties last year so they had me sign a new contract for the 2 unsecured loans so the payments would be smaller. but unfortunately i cannot find any of my paperwork. I also have to pay an exra £60 pm. on my secured loan for £25,000 wich i took out 3 years ago.i missed 2 payments on that. Can anyone advise me as to how i go about getting copies of my contracts and anything else i need to get so i can find out if i have been missold anything. i am now quite concerned after reading about everyone elses problems with welcome. I have spent hours reading through the welcome thread and i'm now totally confused. so i would be grateful for any advice or links. thanks x

So sorry to be a pain but i'm new to this. Can someone tell me how i start my own thread please?

Thankyou so much Marty x

Hi all, I'm new and have been reading through this for nearly 2 hours. I'm totally confused and don't know where to start. I have 2 unsecured loans and a secured 1. I don't know if my contracts are ok or not. Can someone give me advice on how i go about finding out?? or where to start lol. Thanks x