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About AL2648

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  1. The only way to claim against Welcome Finance is through the FSCS, because they have become involved due to the fact that Welcome is bust. However, I feel that the process is deliberately being made as complicated as possible to put claimants off. I agree that a claim should not be possible after this time ...however this insurance company have told me that it is possible. The fact remains that Welcome did not give details of any insurance company on their documentation as they were required to do and to insist now that they had an insurance company is a con. I firmly believe that this situation should be brought to the attention of the regulator ..the FCA.
  2. I have been trying for some considerable time to get a PPI miss selling claim paid by Welcome Finance. The problem is that I have now reached the conclusion that the process being used by Welcome Finance and being endorsed by the FSCS is not correct to avoid the correct processing of PPI miss selling. My original claim was rejected by Welcome ....reason given that I did not make a claim to their insurance company . The fact is, that I was never made aware of the insurance company. I was self employed when I took out the loan and when I broke my shoulder and could not do my work, I contacted Welcome and was told that I was not covered by their PPI policy. I made a complaint regarding their decision to reject my PPI claim and was paased on to a manager at FSCS. He has now agreed with Welcome that I must make a claim to their Insurance company ( Direct Group, Doncaster) I have received forms from this company. These forms make it almost impossible to conply with their terms. I have found that the NHS hospital who treated me seven years ago for a broken shoulder will not supply me with the details athat they require. I have since made a complaint to the FSCS, that this insurance situation is just a smokescreen to avoid paying out on PPI claims. I maintained that any claim has nothing to do with the matter of being misssold the PPI. I have now received confirmation from the FSCS that the insurance issue must be dealt with first before the miss selling can be delat with. I belive that this is proof that this is a ruse Has anyone else had a similar problem and any success with this company. Regards Alastair
  3. Sorry for the delay ..I have been away on a business trip..... My Problem is that yes there are reclaim threads... .but they are all as far as I can see...fairly vague...taking a company on is a complex process and as such step by step advice of what works and what does not work is what is required. ...I am certain that they owe me lots of money...and as a normally super positive person, I hate to feel negative......BUT.... . if nobody has been able to get back anything but small amounts from them and only then after many many months and months of hassle.. .then it does not help the other people who need to go through a similar process..... I feel that the process of ..reclaiming these charges....needs to be simplified.. ...there needs to be an expert in the field who can ....list in a simple step by step way...what needs to be done and when and how to do it.... ...at present ....as I see it ..it is a minefield ... ....I accept that some people have had minor success... ...but for the process to open up and for major successes to be registered it must be made as easy to do ..as claiming back ppi etc.... Has someone written a book on this subject . .if not maybe someone should.. ..consumers are crying out for help in these matters and I am sure are being put off by the process seeming to be pointless. ...I would love to go after them but there needs to be definite plain advice..
  4. Hi I had a mortgage with GMAC some years ago. I was shunted to them after getting into difficulties following redundancy.. ..Long story short it resulted in repossession which cleared the debt. I have always felt that the charges for ...arrears...direct debit fails ..were very unfair and these were added each month. ..there were also consultant charges and solicitor charges later on.... These figures added up come to thousands, so having found this site. ..I thought that they should be claimed back.. .however, although I notice that some people have had some success. ..it would appear that GMAC seem to manage to get away with it ...I got all my documentation on SAR from Paratus who now seem to be handling things for GMAC.. ..but on looking through lots of posts and threads. ..there seems to be much conflicting advice on what can be claimed and what cannot be claimed... .also if interest can be added and at what rate... ..is there any simple straightfoward advice on what to do and how to do it. ..or is the process hit or miss... .I would love to read of someone having a big success against these horrible people.. .but it seems that nobody has managed that. ..if someone has .. .I would love to hear how they did it.. ..many thanks for any advice.
  5. Many thanks for your reply....I will get on and finish my paperwork....I will post on the site when I get result....Alastair
  6. Sorry, but I am still a bit confused....I have all of my statements etc and am preparing information before claiming against GMAC, but on reading other posts it would seem that I should be making a SAR, Subject Access Request to make sure that I have all the info that they have on me .....or is there perhaps a template of another letter that would request the same detailed info.....any advice from someone who has claimed would be greatly appreciated....thanks Alastair
  7. Hi I am new to the site and need some general advice with regard to reclaiming charges on a GMAC mortgage. I had to move out of my property early in 2006, as I had lost the fight to hold off repossession. The property was sold and my debts were settled. After redundancy some years ago, I am thankfully now getting back on my feet in self employment. I got a small payment from GMAC due to the recent action against them, but I have always been of the opinion that many of the other charges made were unfair.These include fees for consultants and bank debit/ arrears etc. From this site I know what I should do to make the claim but I have a couple of questions. Am I still ok to claim against them after years have passed or is there a time limit. Also I have all of my records regarding the mortgage but I wonder is it still advisable to do a SAR and get those details or will the statements that I have be enough to make a proper claim. Hope someone can help. Regards Alastair
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