There was an option when I phoned FSCS,1 for Welcome claims and 1 for the normal FSCS, I pressed the Welcome button.

I'm confused about the FSCS, I would have thought they would have been thorough and not trying to cover up? Can I trust the FSCS?

What about the £370.63 on FSCS breakdown sheet? Is it saying I should have had that credited or refunded in the box?

Thanks dx100uk, I will give them a call in the morning and let you know what they say.

Hi All, I have had a successful response regarding one of my claims not the charges yet but my PPI claim from the FSCS albeit less than what was calculated, One thing that is confusing me is the amount of £370.63 regarding the cancellation of Loan 1 on the attached calculated response sheet. Is this something that I can now ask Welcome back for as I can't see it being refunded on my SAR? It would be much appreciated for someone to have a look at the response which I will attach Many Thanks.

Hi, Just to give everyone a quick update. Default is no longer showing from MKRR MKRR have responded with two letters saying they are working with welcome in find my original agreement sounds like they are not having much luck. FSCS have reponded with they are looking into my PPI claim Welcome have responded with they are looking into my dispute regarding the unfair charges. All awaiting responses. Thanks..

Ok spoke with the FSCS and they are saying 2 responses have been sent out. One for the second account number and one for the first account number, they are saying because the second account number doesnt have any PPI I can't claim for that account, however I can claim only using the FSCS form for the first account number, any amount carried onto the second account number will be investigated.

Is this the telephone number on the Welcome letter for the FSCS? its an 0845 number?

Yes awaiting a specific reply for the charges atm I will give FSCS a call, i suspect that will be a straight decline.

I don't know, They aren't admitting to PPI on the first account number in any of the letters which has been clearly refinanced onto account 2, At a loss of what to do.

Hi All, I received a response(attached) to the PPI complaint this morning they quoted sending me response on both account numbers but only quote an actual response on the second one. I would appreciate some input on what I should do now? Thanks

Ok Thankyou for the reply, Seems very strange though.

Hi, Got a little update logged onto my credit report today and the MKDP default has now been removed. What are they playing at? Thanks

Awesome thankyou for your help, having a trip to the Post Office to get these claims sent off. I still haven't had a response to my CCA from MKDP, I guess once/if I get that then I can start negotiating a settlement figure. Any advice on this? Will keep you all updated.

Thanks dx100uk I have got all the paperwork ready for posting with regards to PPI. I have looked in the library and the only reclaim charges letter is one under mortgages, the letter itself mentions mortgage is this the correct one? If it is do I leave the mention of mortgage in the letter? Thanks

Also I just noticed that on the PPI reclaim from Loan 1 that you have put 2 payments from on the 01/04/2008 and 01/05/2008 these were unpaid according to the statements can I still claim PPI on these?

Hi dx100uk Thankyou so much for doing these calculations I would have never worked out how to do this. Wow £2109.97 in total from PPI & Unfair charges, this will go a long way in resolving the outstanding amount. I guess the next step is to fill in the FOS PPI questionaire, cover letter and also the PPI reclaim.xls as an envelope With regards to charges I need to send the other 3 spread sheets as a seperate charges claim envelope? Thankyou.

No problem thankyou for your help much appreciated.

Hi yeah i've scanned them up in post 33? They are all in the pdf's is that what you mean? Thanks

Hi, So I have had a read but a few things are still confusing. I have downloaded the StatInSheet v101.xls spreadsheet do I enter the unfair fees for telephone calls etc in the PPI spreadsheet? Do I add the total of all different PPI products as 1 lump sum into the spreadsheet? Also I noticed that on the new refinanced agreement(Policy 2) that it says the fees had been credited to my account and cancelled but nothing was reduced am I seeing this right? If so what do I do about there being no PPI in agreement 2 Thanks

Hi dx100uk It looks very complicated to sort out all this, I'm scared of making a mistake Are you talking about the credits of the insurance policies on loan agreement 2? Is that what I should be claiming Are these the charges for contacting me? Would the trace fee be one of them? Thanks.

Yeah I've had a look and there was communication with me in December 2009 so it sounds about right, however I never received default notice in writing but you live and learn. I would be grateful to get some feedback on the above attachments with regards to my options? if I have any? Thanks.

Hi All, I have got my SAR request back today from welcome so I'm attaching the figures and agreements. Policy 1 is the original Loan. Policy 2 is the refinanced Loan from Policy 1. Please be aware that my default date is 01/05/2010 I can't tell if its right from this stuff. Thanks

I will thanks At what stage will I be able to do something about the default they have registered on my credit report? if at all? Thanks

Hi, I have received another letter this morning saying:- Just wondering if I need to respond to this? Thanks.