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Hi Postggj - look at the agreements - you see the letter from VT department - heading 'regulated multipple agreement under section 18 CCA 1974'

 

Funny cos I can't see on the actual agreement where it states this is a multiple agreement??

In fact doesn't a multiple agreement require a seperate signature for both agreement and PPI if that was the case??

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Hi Andie

 

Thanks for looking at this for me. To be honest the jargon in the documents are all a bit double dutch to me, hence me posting them on this site. I haven't asked them for my PPI back as yet as I am still waiting for them to send me my SAR. Once this has been sent then I will get the wheels in motion

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You've been waiting an awful long time for your SAR - I know the feeling I've been waiting 8 months for mine.

 

I have them in court at the moment about PPI I've gone without my SAR and have made the judge aware of this and that Welcome have been ignoring me - he didn't like that!

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I take it their definition of 'full time employment' can mean what they like? I was only working 20hrs at the time of taking out this agreement and to my knowledge that is usually classed as part-time

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Yeah, I asked for it in 2007...they received the request then but didn't send it and I have decided to pursue this once more and resent them a request in February, which again they received via recorded delivery and again they have chose to ignore it. I called them two days ago and they say that they will send it within 14 days. I cant get credit because they keep registering missed payments on my credit file (this has been going on for 2 years). I should report this to the ICO as this is false information (I should have been defaulted for the PPI a long time ago). I don't really have much faith in the ICO. I complained to them before about Cap 1 defaulting me for late payment charges whilst I was in dispute with them and they were useless.

 

How is your court case going with Welcome? After reading about Welcome on CAG I take it they defend themselves in court all the time?

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  • 3 weeks later...

Hi all

 

I have eventually, only after 2 years received my SAR from Welcome. I want to claim my missold PPI from this lot and get recorded 'missed payments' from my credit file removed. I have scanned some documents and wonder if someone would mind given me their thoughts and also any help on my next steps.

 

http://i614.photobucket.com/albums/tt223/tracyab1972/w-1.jpg

http://i614.photobucket.com/albums/tt223/tracyab1972/ww.jpg

http://i614.photobucket.com/albums/tt223/tracyab1972/www.jpg

http://i614.photobucket.com/albums/tt223/tracyab1972/wwww.jpg

 

I haven't paid them a penny since I VT'd my car and the amount on the statement dated 14/3/07 of £600.22, they say is PPI, which I have refused to pay. I don't know what the extra £10 added as 'capitalisation' and 'ad hoc' are. I also dont have any details on who my PPI was with. They have included any of this in my SAR. I hope someone can help:)

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Hi,

I have had similiar problems with welcome, I claimed misselling of ppi and they told me I would get it pro ratad at the end of term, the subject access they sent me contained someone elses details and they haven't bothered to reply to any of the 9 letters incluuding default on the cca. It looks like I am not getting anywhere my lat resort is to actually drive to their head office. The capitalisation according to the local branch is interest.

 

Good luck and let us know how u get on with this horrible company.

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Hi,

I have had similiar problems with welcome, I claimed misselling of ppi and they told me I would get it pro ratad at the end of term, the subject access they sent me contained someone elses details and they haven't bothered to reply to any of the 9 letters incluuding default on the cca. It looks like I am not getting anywhere my lat resort is to actually drive to their head office. The capitalisation according to the local branch is interest.

 

Good luck and let us know how u get on with this horrible company.

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Hi all

 

I have eventually, only after 2 years received my Subject Access Request from Welcome. I want to claim my missold PPI from this lot and get recorded 'missed payments' from my credit file removed. I have scanned some documents and wonder if someone would mind given me their thoughts and also any help on my next steps.

 

http://i614.photobucket.com/albums/t...ab1972/w-1.jpg

http://i614.photobucket.com/albums/t...yab1972/ww.jpg

http://i614.photobucket.com/albums/t...ab1972/www.jpg

http://i614.photobucket.com/albums/t...b1972/wwww.jpg

 

I haven't paid them a penny since I VT'd my car and the amount on the statement dated 14/3/07 of £600.22, they say is PPI, which I have refused to pay. I don't know what the extra £10 added as 'capitalisation' and 'ad hoc' are. I also dont have any details on who my PPI was with. They havent included any of this in my Subject Access Request. I hope someone can help:-)

Edited by tracyab1972
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i know you are confused tracy but please stick to your thread

 

its been bookmarked so i will allways be looking in

 

good advice from people gets lost and it helps future caggers

ive replied on the main welcome thread

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Hi Postggi,

 

I have just been reading Animal Lovers thread on Welcome, which you helped with. Her last post was in April with no update (hope she is ok!). To keep myself right..do you think I should SAR Direct Group or Norwich Union? I sent a non-compliance letter to Welcome as they haven't provided me the insurance details in my orginal SAR.

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Me And Animal Lover Got There In The End

 

It Took A Lot Out Of Her

 

She, Like Most People Was Relieved Thats Its All Over

 

Ill Get Back To You On This

 

With Direct Group And Norwich Union

 

Its A Different Game

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I called Welcome again today...told them that they havent included any information regarding the PPI in with my SAR. Got that old chestnut ' we dont hold that kind of information' and was told to contact my local branch. Contacted the local branch and the woman on the other end didn't even know what a subject access request was..how does that not surprise me;) Eventually got the Account Manager on the phone who told me that I should contact Direct Group and he gave me a policy number.

 

I spoke to a really helpful lady who told me that the policy number I gave them was not recognised by them, but she did confirm that they have record of credit protection insurance and total loss insurance taken out under my name. The most interesting part is that these were taken out on the 16/7/04, but my contract was signed on the 27/7/04. The account manager told me on the phone that the policy was taken out on the 27th 'the day your policy started'. Direct Group are going to send me a copy of my policy document, but I guess my next step is to contact Aviva (Norwich Union). I will give them a call tomorrow as they are closed just know.

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tracy

 

most important

 

sar direct group

 

I HAVE MY REASONS AND WILL NOT POST ON AN OPEN FORUM

 

YOU WILL BE STONE WALLED BY NORWICH UNION

 

LET ME KNOW WHEN YOU HAVE YOUR COPY

 

THERE IS GOING TO BE SOME CREATIVE ACCOUNTING ME THINKS

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