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  1. Hi all I've recently had a reply from WFSL to a charges reclaim and they've come back with the attached "Scheme of Arrangement". Having a look around on this site, I've noticed that some have been refunded unfair charges before the start date of the scheme, which is 2nd March 2011, and others haven't. On my letter it states: "During my investigation I have taken into account the date on which any relevant fees were charged to (and subsequently paid off) your accounts. This is important because the date on which each transaction occurred may affect whether we are able to offer redress." "Welcome Finance entered into a 'Scheme of Arrangement' (The Scheme) as of 2nd March 2011. As the above accounts had fees applied/paid before this date I am unable to investigate this account due to this Legal Arrangement." Does anyone understand what this is all about, as I'm baffled? Many thanks
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