update* PPI refund was made by wfs, (thanks to all who gave help along the way) Since then all has been quiet on the wfs front, until recently lewis group have now been sending letters, phone calls etc, then received demand in full for outstanding amount from Cohen's. I want to claim back all charges such as ad hoc and capitalisation fee, letters etc (oh and the small commission fee gave themselves) hoped someone could point me in the right direction to a template letter? Regards Charger

Offer received from wfs!! Do you have your own thread roxy??

update* Mis-sold ppi on hp agreement by wfs in 07, cca and sar sent to wfs, dec 09, asked them to refund ppi. Sar recieved incomplete, missing insurance information, wfs dragging heels but said the were looking into it. Letters sent to fos, direct debit stopped, fos have come back and said yep mis-sold wait for settlement letter, same day dca letter arrives, to which i have sent back a account in dispute letter to dca. Dca have ignored my letter and carried on sending please pay in full letters, with the last one ending in we are willing to except 50%. I have not recieved n.o.a for wfs. any ideas for the dca??

Ive not asked for anything from the dca yet, should I be asking for a notice of assignment and cca request them....anyone???

No settlement figure from wfs, so ive been back onto the fos!! Dca in the mean time have sent a 50% off letter (didnt expect that one?) although you and I both know that the settlement figure will out way whats outstanding!

My thoughts exactly dx.........

Dispute letter with OC sent to the DCA, they have completely ignored the letter and proceeded to send yet another.... In the mean time no settlement letter from wfs but they have been so kind as to send me the usual default sums letters and notice of sums in arrears. Not sure what to do next and was hoping someone can help and point me in the right direction! >>>

Ok nothing signed. No settlement letter from wfs, instead they have decided to send a default sums letter, a dca letter arrives the same day to recover the outstanding amount! A letter back to the dca of course...in the next day or two. Trying to get rid of me wfs before you have to pay back my mis-sold ppi....tut tut tut

Letter back from the FOS.... Following our involvement WFS has now agreed to make an offer to settle your complaint.....WFS will be writing to you to explain the precise terms of its approach.....it has told us it will be based on the general approach FOS takes when we decide that a consumer has been mis-sold a policy.........If you would like to accept the offer please sign and return...... In the mean time WFS have sent another DN. What happens now????

dfitz, Have all your letters been sent to this address?? Compliance Dept Ruddington Fields Business Park Mere Way Ruddington Nottingham NG11 6NZ or your local branch???

***Updates*** Ok so FOS questionnaire filled in and sent back, with recent copies of letters received from wfs. Yet more telephone harassment and doorstep visits even though requested only to be contacted by letter.....this is causing great upset and undue stress to my family......should I send yet another harassment letter??? A "without prejudice" letter received telling me the account has been terminated and the full balance is now payable blah blah blah.... Not sure I have any confidence in the FOS now after the latest letter saying.... "further to our recent offer letter in settlement of your complaint.......we do not have appear to have received your response to this offer" What settlement letter ???? I have only just sent you my questionnaire back....... Also the exact same letter in the envelope, addressed to someone else..........WTF..... What to do, what to do?????

Since wfs sent their final response to my letters which mentioned nothing of my PPI complaint, all payments have stopped and I have sent this off for the FOS to look at. For a while I haven't heard anything from wfs then received default sums letter, then recently received yet more phone calls........ Next thing you know, default notice from wfs, as well as letter from the FOS saying this will be passed to adjudicator and we will be in touch. The FOS have also included a PPI consumer questionnaire....anyone else had one of these????

LBA sent as I have incomplete S.A.R.....no response to date! Final response from wfs sent along with a copy of my agreement printed from computer thats half cut off and NO t&c's or statements....... mentions nothing of my original complaint....... Thanks to AA for the help with the harassment letter...no calls received as yet....(its not the end of the month yet tho);-) Thanks to Ozzy who helped with checking my figures are correct!!! Glad to see Post back..........

Woohooo.....let the fun begin

:d

Subbing.....

Hey all, After talking to head office who say they were not calling to collect payment....but asked me about it anyway:confused: I asked a few questions of my own, HPDI, This is charged because i have moved the date of my payment i was told this decision was made by the board Has something to do with payment having to be made 45 days after the date of agreement?? Although i changed the date in 2008 they have not applied any hpdi until a year later 2009:confused: Reversal fee on statement.....this is the option fee being taken off guys!!!! So i have been charged £100 ad hoc fee (option fee) then they have reversed this 4 months later....this still would have accrued interest in that time tho wouldn't it?? Head office says not......

Hey All..... Just a little update wfs are now ignoring me..... account in dispute letter was sent and then a harassment letter followed....their response is to send back.... one letter stating thank you for letter received regarding your complaint....its appears we haven't received back our questionnaire:confused: (NO thats because you have never sent one in the first place!!!!) Next response says RE: S.A.R....we have sent the info on (date) I can also confirm we have sent all info that we hold on account ***** (NO you havent.....where is the info on my insurance policy.....t&c's......underwriting sheets...etc etc) MORONS:-x

Thanks for ur reply AA.... This is the next letter, im sending.... FORMAL COMPLAINT - HARASSMENT BY TELEPHONE Account Number: Dear Sirs, I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing. I have noted these calls are also being made via mobile numbers from your staff. I now require all further correspondence from your company to be made in writing only. I am of the view that your continued harassment of me by telephone puts you in breach of The Consumer Protection from Unfair Trading Regulations 2008, and the Protection from Harassment Act 1997. If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine. Please treat this also as a formal complaint under the procedures set out by the Financial Ombudsman (FOS). As such, you are required to send me a copy of your company complaints procedure. Furthermore, please note that the FOS considers it 'unfair' for you to continue with phone calls when requested not to do so. Be advised that any further telephone calls from your company will be recorded. FAO: Data Controller - Section 10 notice under the Data Protection Act 1998 I withdraw my consent (under s.10 of the DPA) for you to process my personal data with respect to my personal or work telephone numbers registered with you or stored on your systems/records. The processing and use of these numbers is causing significant distress. Advice from The Consumer Credit Counselling Service and the Information Commissioner indicates that your retention of contact details in the form of a correspondence address is sufficient to fulfil contractual obligations. This request supersedes any contractual provision that you may claim exists, and any attempt to claim otherwise will not be accepted or tolerated. Under the DPA you have 21 days to respond to this request, and 28 days to cease processing and/or remove the data from your systems. Future use of my telephone number will be recorded and will indicate a breach of my request under the DPA, this will result in a complaint being raised with the Information Commissioner. You will be deemed to have been served notice of my request and I will deem it served by [insert date], I am advising you that any calls received after this date will be recorded with the intention of them being used as evidence. Yours faithfully Is this ok any comments/changes???? Regards Charger

Well 8 weeks is up and no final response about my ppi complaint. Fos forms being filled in.... sar is incomplete...not one mention of insurance!!! Can i still continue to write to wfs even after i have sent the fos forms off:confused: I want an explanation about the charges on my account.

Subbed with interest dibbo, my 8 weeks is also up tomorrow and no final response from wfs. Post I have just used ur calculations for my own payments

Mmmm interesting......... Thanks Dawn:D

Hey Dawn can you give me that link please!!

Hey all, Well due to me not being well wfs have had a little extra time to get their finger out and get together my true agreement..... Account in dispute letter gone today.... To withhold payments or to not withhold payments.......that is the question???? Im going to draft a letter as id like to know what the hdpi fee on my account is???

Hey all, thanks for the replies..... Post i got this from an independant garage! Dawn i have read that too... I havent had much contact with wfs at all....although the person who informed me that wfs werent giving new loans also told me i had defaulted one payment, early at the start of the loan....news to me? So i requested bank statements from 07 and one payment was made late by about 5 days or so. However they have taken this payment, is that still classed as a default?? They have never recorded a default on CRA, nor have i ever recieved a default letter. Other than this i have never seen a statement from wfs, now i know why they just add on charges and interest when they feel like it!!!! Im so glad i have found this out now, shame it was not sooner... I want this account in dispute...