Hi all Just an update to let you know that I won my PPI money back. They gave me a total of £2,036 back. I actually didn't get this back as I still had until February to pay for my car (a seperate account with welcome) but it just means that my car is now paid off in full. They still state that I owe £500 on my personal loan for all the interest that they put on for me paying at the end of the month instead of the middle (unknown to me) but I have stopped payments for that until I get the information back from the SARS. I have already paid them £800 over what I owed and I refuse to pay anymore until I get the SARS and more information.

Was that with the FSCS cut off? So I am looking at roughly £1500 really as mine was £1200

Also on there it shows the PPI of £1021.15 added to the loan which I never asked for and am claiming back. Will I also get interest on that paid back to me?

Thanks for that and I certainly will take your advice. I have finally received this morning a statement of my account that I have never had in all the time I have been with Welcome due to them never changing my address. On there is numerous amounts ranging from £158 through to £15 for capitalisation which is crazy as my payments should only have been £198 which means for nearly a year nothing has been coming off my account. This is where the amount has come from. What do I do when I get the SAR back from them?

Yes I have written to the complaints department. Two letters have been sent to them and the status is that I have to wait 8 weeks for them to investigate. I have clearly stated in the letters that I have never had one statement although they cannot deny that they have been informed of my change of address due to having a car hire with them and that since that has been changed over and I have received statements regarding that account they cannot deny I have done so as it was done at the same time. For a period of time whilst I was changing my bank accounts I was paying by card over the phone and was never informed of any interest going on my account so again they can't get away from that and that also has been put in the letter. They have told me that if I cancel my dd with them then I will be charged yet more interest even though I argued that since my loan is paid off this £773 is purely interest and they are getting this out of me by saying give them 8 weeks when I have clearly stated what the investigation findings will show them as they were found out by the Account Manager in less than a day of him looking over the account and seeing the problem immediately! The problem they had is that since they have been put into default they have closed offices galore and mine has been passed around from pillar to post! I have quoted them on the fact that I have not had statements, not been told verbally or written despite having my contact numbers and address that I was ever accruing interest and that they are trying to con me out of money and should be ashamed of themselves when they have already had their money back as well as an extra £4,600 without having to swindle me out of yet another £773.

Now that is a good idea

Oh I certainly will fight it out. If I have to take them to court to get it back I will. I am so mad that even though my loan is finished with them I still have to pay 3 more months of £250 to cover the interest put on by them when that should be it. They have had £7,100 out of me already for me borrowing £2,500

I have already filled in the application to get my PPI back and sent it back to FSCS. My point is that I have already paid this PPI money out and should be able to have the full amount back without them conning me out of it by saying I owe all this interest when i shouldn't owe them anything.I never had statements because they never changed my address over from 2 years ago when I moved house. This is all down to the incompetence of their staff. If someone had told me right from the beginning that I was accruing interest because my payment date was one week later than the due date then I could have done something about it. They have all my contact numbers and could easily have got in touch with me that way to talk to me about it. I don't see why they should keep my PPI money that I paid over £1,200 for to cover interest put on through their companies fault.

HFO just send me the same letter over and over again telling me they are taking me to court as I have ignored all their calls and letters. I have proof of all the letters that I have sent to them and have given the OFT all the copy letters that I have sent proving that I have tried to find out what this is all about. I will gladly go to court and show the court all the correspondence. Maybe the court will get to the bottom of it because I certainly haven't even though I have tried. Hopefully the OFT can sort them out.

It may not help with them taking me to court (although I will happily go just to find out what I am supposed to owe this firm) but it may stop them harrassing people at work in the future!

I wonder if anyone may have some advice for me.I got a loan out with Welcome Finance 3 years ago. The loan was for £2,500 and for 3 years I had to pay back £200. I missed 2 payments over the 3 years (in the first year) as I had a few problems when I was moving house etc. I discussed it with Welcome and they told me to increase my payments to £250 and that the loan would finish at the same time and the money I owed would be paid in full. I asked for the money to always be taken at the end of the month as I do not get paid until the last Thursday in every month. This was all put in place and everything was fine. My loan should have been paid off at the end of September. I rang a couple of months ago to check that the balance was now clear and to see if I could cancel my direct debit with them now the loan was paid to be told that I still owed £773. I have gone through every channel regarding this and have even wrote in and issued a complaint in writing. When I moved house I informed Welcome of my change of address and they acknowledge my move but I have never ever had a financial statement from them in the whole 3 years.I have now got to the root of the problem after a full month of continuous phone calls to the company. It would appear that the money owing £773 is all interest. According to Welcome my arrears are now paid (This is from having £600 off me in increased payments of 12 months @ £50). That covers the 2 months missed and the interest gained from that. It seems that the whole £773 is down to the fact that my due date is the 20th of the month and they do not get my money direct debit until the last day of every month. I have never been informed that I am getting charged interest nor has anyone ever said to me that I am having lots of interest put on my account because I get paid at the end of the month and it is always going to be a week later that they get my money. Surely they cannot charge me near on £800 in interest for 3 years of one week later payments can they? I have been told that I have to wait up to 8 weeks for them to look at my complaint and that I must not cancel my direct debit of £250 even though my loan is paid off and this is interest for something that is not even my fault. If I had received statements then maybe I could have noticed that I was in arrears and questioned it earlier. I am so angry as I have already paid back over £7,000 for a £2,500 loan and if I have another 3 months left to pay then they are going to have had near on £8,000 off me.Is there anything that I can do? I have also just completed an application form with the FSCS for PPI since this was added to the loan without my knowledge or permission. That comes to over £1,000 but at this rate even if I get it back they are going to [problem] it out of me! I really don't know where to go with this and the stress is that I thought that on the run up to Xmas I was going to be £250 better off to be able to spend on my family.

Hi Sorry for the delay, I haven't been on here for a while! I have indeed had lots of contact with someone from the OFT and they are taking this matter seriously. They have done an interview over the phone with me and then sent me some forms out to sign giving them power to use my complaint to deal with HFO.I have sent copies of everything that I have sent to HFO including the letter that they recently sent me saying they are taking me to court for the money as I have never responded (despite me sending in numerous letters to them). They are going to put a case together against HFO and hopefully something will be done about this horrible company and their intimidating behaviour.I will keep you posted.....

Many thanks for the advice

Is it possible for her to contact her bank and tell them that they may try to set one up without her permission and for a block to be put on it? I have no idea about stuff like this so cannot advise her.

I am posting this on behalf of my friend who has got in a bit of a mess with payday loans. She is having problems paying them back and doesn't know what to do. I have used this forums before and told her I would get her some good advice. She is going to cancel her bank card but is worried that they will set up a direct debit as they have her account and sort code. She has bad credit so cannot get another bank account. If she cancels her card can they set a direct debit up to recover the money? She is going to contact a Debt Management Company to get control of her finances but I told her that I would try and find out some info in the meantime.

Is this the fair tradings? If so I have emailed a complaint to them yesterday as I really had had enough. I was not going to put them through to my Supervisor and since their calls were not related to my work then I feel I had every right to hang up on them after stating that I could not talk due to my work restrictions. I share an office and do not wish to discuss this in front of everyone in the office. My work and my private life are totally separate. If he wanted to complain to them about me then he only has the right to do so if it is related to my work which clearly wasn't the case .....

Many thanks for that. I rang the consumer group and they gave me the number for fair tradings. I rang a gentleman there who was very helpful and informed me that they are not allowed to do this. He asked me to email them with a complaint and that they will deal with this as a matter of urgency. I have done this so will wait for a reply now. I have also wrote another letter to HFO recorded delivery with copies of my correspondence to them stating that they continue to harrass me at work and I have now taken this matter further. They really need to be stopped as they are getting quite abusive and intimidating now.

Please help!!!I have sent the letter to HFO as discussed asking for the terms and conditions etc and I have just received not one but 3 calls to my work. I have told them on the first 2 calls that I cannot talk as I am at work and hung up. On the 3rd call he demanded to be put through to my Supervisor because I keep hanging up the phone. I told them this has nothing to do with my work and he became very aggressive on the phone. I hung up again stating I am going to lose my job. I need to contact someone - anyone to stop them ringing again. If I am not at my desk and they get through to my Supervisor then I will lose my job for sure as I have had several warnings about personal calls to work (ALL FROM HFO LEAVING MESSAGES). I am terrified now. What do I do?

Thanks again. I will get a letter done and post it tomorrow. I will let you know the next installment in this saga .....

Thanks once again

Yes my copy is pretty blurry too. I can type out the 2 paragraphs if you like. CREDIT AGREEMENT REGULATED BY THE COMSUMER CREDIT ACT 1974 I am applying for a visa credit card, pin and cheques issued by Barclays bank, subject to status. I have read and agreed to be bound by the terms and conditions. I am a UK resident who is at least 18 years of age and am not bankrupt. All the information privided by me is accurate, I authroise you to send me a visa care with the terms stated int he enclosed T&Cs. I am not an existing Providian or Monument cardholder. I have read section 22 of the T&Cs which sets outs my rights in relation to information about me including my right to object to receiving marketing and I agree that this information may be used in accordance with those terms, including processing outside the EEA. I understand that you will telephone me in connection with my application to gain additional relevant details. I agree that calls may be monitored and recorded.

Done thanks

Have you tried the PALS team within the NHS?

Do I have to just waste a few more posts to be able to post it eeekkk

To be able to post links or images your post count must be 20 or greater. You currently have 14 posts. Please remove links from your message, then you will be able to submit your post. That is what it says when I try to put it here