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  1. great results but these are from the mouth of the dca's themselves...how's this for credibility, look at the success gallery page in here: http://consumercreditcounsellingpracticalguideforyou.wordpress.com
  2. I think but dont quote me on this...it could be because either they are or are njot the UNDERWRITERS and also if has been assigned that could make a difference too
  3. Yers to both of you....Contractual Interest rate was what was signed on the agreement...and at the compunded rate...it appears that they are using 8% to save money for them....
  4. Received letter from Genworth....they will settle..but I have advised my colleague that offer is too low....store card opened in 1994....up till 2006...simple interest at 8%...total offer just £648.00 including premiums...any thoughts please...should they also have included contractual interest?
  5. Have received a request from Genworth to get a 'final response letter' from Santander.....Received that letter 3 weeks ago...have now sent that along with evidence from Santander stating that they had no idea what took place regarding sales process in store...now waiting for reply from Genworh...lets see!!!
  6. The original loan had no signature in the box. and ppi was added anyway without my friends knowledge..the 2 consolidation loans did have siggy's but my colleague thought that he HAD to sign because the PPI was already on it...so really he was misled and believed he had NO CHOICE but to sign something that he never really knew he had nor wanted from the beginning...so not voluntary in the truest sense...the calculation was spot on...so thanks again for the method of calculation/advice ims/dx
  7. THANKS Ims and Dx100 my friend got an offer yesterday almost £5000 regarding the rollovers....contribution from him passed to me to pass on via Postal Order when he gets cheque... thanks again for all your patience guys
  8. Letter typed out today will be posted to Genworth on Wednesday...will keep u posted...actually the address does include 'financial insurance company'....
  9. An interesting exchange!!! http://forums.moneysavingexpert.com/showthread.php?t=4218731 Definitely appears to be a link between Santander and Genworth and assumptions of liability by Genworth on behalf of Santander
  10. ..And again...http://www.genworth.co.uk/content/genworth/uk/en/footer/legal.html https://www.genworth.com/global-corporate/newsroom/news-releases.html
  11. Getting closer:wink: http://www.genworth.co.uk/content/genworth/uk/en/contact_us/policyholders.html
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