Thanks...yes I sent them all the docs required. I will keep you posted and once again thank you very much for your help to date.

Good morning...okay, the latest update in respect of this stuff is that after sending all the papers to WFS they write to me advising that as the FSCS is dealing with all their PPI cases that I will have to wait to hear from them with their application form would it be worthwhile applying to the FSCS direct or wait for them to send me whatever documentation it is? - I don't want it to be that things get duplicated. Again thanks for your help.

Good evening, thank you for all your help. I have completed the spreadsheet with the PPI monthly fees. On looking at the agreement there is a section which states total cash price for insurances that includes the PPI, mechanical breakdown, emergency recovery and shortfall insurance - together these are added on the agreement as "Total Cash Price for Insurances" - can I also claim back for these albeit that I did use the emergency recovery to jump start my car three times in 2011. Do I add in the "amount of credit for insurances as well? Lastly I have looked at the page in the link fosCI sheet for the spreadsheet in order to list down the telephone calls/letters etc but there is no link there to download this sheet. ..could you point me in the right direction. Again many thanks.

Good evening again, could you just confirm to me that the figures I need to put down are all the ones relating to the insurances on one spreadsheet and another for the charges on the statements I have received from Welcome? I have tried to find a reclaim thread in respect of Welcome but haven't been able to locate one yet. Also where do I find the FOS complaint form and do I send the spreadsheets to them or to Welcome? Lastly are you able to point me in the direction of the spreadsheets as I cannot seem to find in my thread where they are located. Many thanks again for your help to date. Much appreciated...

Please advise me if I am wrong but isn't PPI there to protect you if you are unable to work through sickness or loss of job. I will be making a claim for PPI as in my opinion although I used it when I was sick I have realised that I DID NOT have to have the insurance for mechanical breakdown, recovery breakdown (which I could have sorted out myself) but was told that I COULD NOT purchase the car unless I had these insurances included - it would not seem to me that this is not the case. In the four years that I have had the car I have only had to use the breakdown recovery three times, all instances were for a flat battery - but I could have joined one of the many breakdown services that re available. Therefore in my opinion I was forced to take out these insurances. Also as the car finance company knew that I was having payments made through their insurers for approximately 12 months should they not have frozen my account so that it did not incur any late charges?.. .this they did not do and I was advised by the insurance company that this is the normal practice - hence Welcome applied late charges to my account which were out of my control. Welcome have harassed me at work with regard to the outstanding money which they say I owe for the late payment and they have also issued a default notice against me although I owe nothing on the car in my opinion they have made a malicious default entry on my credit file. PPI is supposed to cover your payments in their entirety and I don't see why I should be held accountable to something that is done by their insurance company. I am very grateful to the assistance that I have received from dx - he/she is the only person to have offered me any help and nothing has been too much for them and they have answered every one of my queries. I will continue to act on the advice of DX whose advice I value greatly.

Many thanks for your help to date. I have checked and double checked for the missing page but have not been able to find it however will have to look when I get to work as that is where I scanned the docs. So apart from the outstanding page(s) what is the next step in regards to the spreadsheets and fos complaints form? Are you able to let me know which figures I should be using on the sheets please. Your continued assistance is greatly appreciated.

Finally managed to do it...hopefully it will meet with your approval:!: agreement.pdf welcome call log.pdf letters.pdf

Really really sorry to ask but what do you mean by PCM? I have honestly read through the notes but don't understand what you mean by PCM or FD. I have completed the form with all the figures for the insurances which gave a monthly figure of PPI of £8239.29, total cash price for goods of £9,340.00 and 8% simple interest of £21,255.47 and a final total of £38,834.76 - what am I to do with these figures? Am I to add in the finance charges for goods, charge for credit for goods and total charge for credit? Really sorry to be such a pain but I am really not experienced in this sort of figure work and very much appreciate your assistance.

Sorry if it seems I'm coming across dumb - I clicked on the link in respect to a single premium policy but it asks for the monthly payment of PPI. I have looked at the agreement and it gives a figure of £9,300 for the car and £3,607.. credit for the insurances marked as N. It further states that total amount payament for the insurances is £4,632 which is the £3,607.29 (N) added to £1,024.71(W) which is the charge for credit of insurances - all of these figures come under the heading of Key Financial Information. There is then a section titled Other Financial Information where it states £2,217.29 PPI in one section and another section it says total cash price of insurances G to L inclusive amunts to £3,607.29 and these are for mechanical breakdown insurance £650, Emergency Recovery £390 and Shortfall Extra Insurance £350. So my question is do I list all the payments for the insurances or do I just list down the payment for the PPI? Your help is greatly appreciated. Many thanks in advance.

Good evening and thanks for all the assistance you have given me to date. The latest position is that I have received a bundle of papers from Welcome's head office however they did not enclose any statements in that so I have written to them asking that they send me them. One question that I do have is what is the SOC? After I do receive the statements what is the next step that I have to do? Your further assistance is greatly appreciated. Many thanks to date.

Many thanks for your help...I will keep you posted...

Thanks for the help you have given me. Who do I actually apply to for the SAR is it the head office of Welcome or the bank? At the time of making payments I was with Natwest but that account was closed in 2009 so I'm not too sure who I am meant to write to for the SAR. Your further help is most appreciated.

Yes totally agree except in my case there was no money left in my account, I made sure that I had taken out what was in there and knew that there wouldn't be any in until my next pay day by which time I received my new card so the old one was void by then.

Oooh great thanks sooo much. As for the statements I have only ever received three of them and they have said that I will have to pay for copies which, initially I refused to do however I will write to them asking for copies and pay what they want by postal order. What is SAR? As for claiming the PPI can I still do that even though payments re made through the insurers when I was not able to work as the PPI was to cover payment in events of sickness/loss of job which both applied to me at the time. I am soo grateful to you for your help but yes this is the route that I will definitely be taking.

Thanks. I will phone the bank first and if no joy then Paypal it is.

Many thanks for your help. I have checked my bank statements but their account number is not on there so will phone the bank.

I have written to them asking if a repayment plan could be set up in order that I can clear my debt to them. Their response was that the time had lapsed and that they had now passed my file to a debt collection agency. I have not received any letter from the dca. I replied to them that I would not pay any money to the dca as they are not the ones that gave me the loan and I just wanted to rectify the problem if they agreed to setting up a repayment plan and to freeze all interest charges. They have continued to write back stating about passing on the file. I should be very very grateful if anyone was able to give me the bank details for poundstopocket so that I can set up a standing order to repay this debt to them. Thanking you in advance.

I have a lending stream account and they have set up a repayment plan for me which will have my debt paid in 3 months. Email them, they were very helpful. One thing I did say to them was that because of my dire financial situation that I no longer had a bank card and asked that they give me their bank details in order to set up the payment - which they did. I also got a new card by tellilng the bank my purse had been stolen - when I have changed my card before I just said that I lost it and they said that payments could still be applied to it until my new one was issued - if it's stolen then any payments being applied to the card will be blocked immediately only direct debits and standing orders were unaffected. This way I am in control of my account and my other payday lenders can't go in and help themselves leaving me more broke than I am already.

In 2007 I purchased a car from Welcome with a repayment of £345.25 each month. During the 4 years I only missed one payment quite early on and this was repaid the following month along with the missed payment charge. In 2009 I was made redundant and was also recovering from a back operation which I had a couple of years earlier but never had the chance to fully rest for my back to heal properly. As I was paying for PPI within my repayment to Welcome I utlised this as I was not in a position to work between 2009 and 2010 so the payments we made by the insurance company. Fast forward to May 2011 my car broke down and I called the breakdown service which was also included in the warranty. I was informed by them that my warranty had come to an end some weeks before at which point I queried how this could be when I was still paying Welcome, I was advised to call them. When I called Welcome I was told that I had one final payment outstanding to the tune of £345.25 which was due in June. I informed them that I would not be making this payment until they could explain to me how I owed this if my warranty had expired - the warranty was included in the agreement. I received a letter from Welcome indicating that they had refunded me £150 approx as a goodwill gesture. They say that I still owe them £162 which is the amount of money they claim are for late payment charges. The late payment charges that they are saying are owed is because the insurance company did not make payment on the days that I used to pay my installments. I informed Nicole (she is the one who kept calling me) that it was out of my hands and I could not control what days the insurance company made the payment - the company was used by Welcome and not by me - I fulfilled my part and that was to issue my sick certificates and sign the declaration form and return to the insurers. Welcome have until recently called me continuously on my mobile sometimes as late as 7pm asking of my intention to repayment these late payment fees. I have continuously informed them that I will not be paying it. Had the car not broken down I would have been none the wiser and would have made the payment thinking that I had miscalculated my payment dates not knowing in hindsight that I was paying for something that I could not be held accountable for. I have written to the FO twice but have yet to receive a reply. Does anyone know if I am able to claim anything back from Welcome. I paid extra for PPI yet still they never froze my account so that late payment charges were not applied to it - I did not even know about this until the insurers enquired of me why Welcome had not frozen it. Can I take court action against Welcome? They have posted me a default letter but in it it states the amount of the agreement and the amount paid which are the same figures, it also states the £162 but does not state what it is for how can they issue a default letter and show me to have defaulted when the agreement figure and the amount paid figure are one and the same? They have also told me that they will be passing my case onto debt collectors to which I told them I don't actually give a toss as the car is paid for and they can't take it - am I correct in this? Also the car is not in the same name as that on the agreement. Welcome have tried to spoof me of my money, they say they deducted some for goodwill and the way I see it is because they realised that they were in effect charging me a full months money when I didn't owe it. They received payment from the insurance company for a whole year and never in that time did they contact me with regard to any late payment and now that the agreement was at an end they are trying to take more money out of me which I refuse to pay on the point of principle and morals - I have told them to take me to court as I am pretty sure I would have a good case. Has anyone had similar encounters to this. Sorry for going on so long but they have really got on my last nerves.

I have various outstanding loans due to PDLs. In respect of Motor Mile they were collecting for a debt that I owed to Quick Quid. On checking through what I owe presently I went through my emails with QQ and realised that the debt was from as far as 2009 and not long after I took out the loan I lost my job. Normally I don't deal with debt collection agencies, I certainly don't take their phone calls but over time Motormile offered me a good deal which was that I was offered the chance to pay half of what I owed to QQ in full and final settlement of the debt and that my credit record would show that this bill had been satisfied. My debt to QQ was £422.75 and I settled it at £253.65 some 2 years after taking out the loan. I never received anybody on my doorstep and even if I did it would have been a wasted journey for them because my door would have remained locked. So yes I have settled one payday loan but have more to sort out. One thing that I did do to ensure that they do not get any money from my account is to inform the bank that my card was stolen - it's no good saying you have lost it or have it cancelled as some banks don't actually block the card for a set amount of days just in case you do find it, if it is reported as stolen everything at was being paid from it will be blocked. I have entered into a repayment agreement with Lending Stream and informed them that due to my dire financial circumstances I do not have a debit card therefore to provide me with their bank details to set up a standing order, that way they do not have access to my bank account. McKenzie Hall will bully you if you allow them - I don't allow any debt collection agency bully or threaten me with court proceedings/bailiffs and I also inform the payday loan companies that I will not be dealing with the collection agencies as I did not take out any business with them and if they really want repaying that we come to some sort of agreement. I also do not enter into any telephone conversation with them as I am unable to keep an accurate record of the conversation and will only discuss the account through email. Anyway good luck with your case but do not allow these people to bully you.