I've recieved everything back and I'm in the process of compiling a spreadsheet of all transactions.

What's clear is this:

There was lots of PPI paid in advance that I have paid subsequent interest on. I said I didn't want the PPI in the first place but the advisor (names are clearly apparent) told me I would not be granted credit without it. This is PPI reclaim case, right?

The agreement is pre 2006. Who do I complain to? FOS?

Despite paying them over £5k, they claim I still owe £9k+. This is compund interest and what appears to be unlawful charges (£20 here, £5 here, unspecifield "capitalisation" there). So which do I prepare to reclaim first and how do the two effect each other, if at all?

Any ideas as to the first moves from here?

Thanks.

Update:

On the 23/3/11, Mackenzie Hall searched my credit file. That's 1 day after WF should have received the SAR. Is this usual? I know MH are WF's chosen DCA, but the search was conducted without my knowledge or consent. Is this usual?

I have sent WF a CCA request which should shed more light.

Thanks again.

Hi. My name is Alpwing and I've been suffering with Welcomitis for several years...

I have been following the forum for a few months, and buoyed up by the experiences of other users, I am preparing to "man up" and confront my Welcome issues.

As briefly as I can:

16/03/02 I took out a loan with WF...

£1500 Cash Advance

£170 Healthcare

£389.58 PPI

£65 Acceptance Fee

£2124.58 Total Loan

£132.30 per month

56.4% APR

24mth Estimated repayment period.

(just writing that down makes a now older and wiser man wince)

I was told, in no uncertain terms that they would not extend credit to me unless I took out PPI. This was not optional.

Payments went well. No missed payments.

22/01/03

Refinanced the loan because my partner became ill (very stupid move).

£1367 Amount used to settle existing loan.

£1000 New cash advance.

£150 Medicare.

£800.86 PPI

£75 Acceptance Fee

£3393 Total Loan

£155.42 Per Month repayment

45% APR

36 est repayment period.

Started off OK, but after 18mths I fell badly behind. They hit me with charges for anything and everything. I wasn't paying the loan off any more, just charges and the massive interest.

In May 06 I defaulted in a big way, having paid out £4500 and still owing £4200...

This debt is still outstanding, but they are no longer charging interest.

What I want to do is reclaim the PPI, reclaim the unlawful charges and satisfy the loan. I want this off my credit record too (wishful thinking).

I'm sending the template SAR, tomorrow.

Any thoughts or suggestions are very welcome.

Thanks for making a great resource, people!

DX waves to the guests

That would be me. Signed in now

Hi, just a hello from newbie. Great site, looking forward to reading up on how to claim my £1k+ back from the A+L. Being on a low income, and being paid weekly, I managed to go overdrawn for between £10 and £20 quite often in the last year. This overdrawing was only for between 1 and 5 days at time. The have

me of over £1k in 12mths. Its a big percentage of income and as I now find myself in financial hot water because of it, I want it back.

I hope I have a case.

Cheers,

.