Welcome Finance Investigation

[citizenB]

Can anyone tell me how i can get Peter Barred to have a look at my Credit Agreement for Welcome Finance

 

Thanks

 

Hi Animal lover, I have (well in a minute) put a link to your agreement form in the CCA thread. Hopefully someone will pop in and give an opinion on it for you.

[patrickq1]

Peter Barred peter the bard

yes send your SAR REQUEST to welcome

their is also a letter on the dummies guide for re claiming PPI so dig that out and send to reclaim every penny concerning the ppi they had no right to sell this policy as you already would have been barred from claiming so whatever has been paid you are entitled to every penny back but when you do send the re claim PPI remind them that you shall also send a report to the ICO concerning this PPI

they have already been fined about 1 mill for mis selling PPI

with this threatening to report you will get some satisfaction and it will also stop them in their tracks from playing silly beggers with you

good luck

remember all letters you send to be registered post no signatures etc: ok

patrickq1

[animal_lover]

Hi Animal lover, I have (well in a minute) put a link to your agreement form in the CCA thread. Hopefully someone will pop in and give an opinion on it for you.

 

Thanks, i'm not sure how you do the links, I've looked but can't find it

[animal_lover]

Peter Barred peter the bard

yes send your S.A.R - (Subject Access Request) REQUEST to welcome

their is also a letter on the dummies guide for re claiming PPI so dig that out and send to reclaim every penny concerning the ppi they had no right to sell this policy as you already would have been barred from claiming so whatever has been paid you are entitled to every penny back but when you do send the re claim PPI remind them that you shall also send a report to the Information Commissioners Office concerning this PPI

they have already been fined about 1 mill for mis selling PPI

with this threatening to report you will get some satisfaction and it will also stop them in their tracks from playing silly beggers with you

good luck

remember all letters you send to be registered post no signatures etc: ok

patrickq1

 

I've already sent a letter to re claim the PPI, I found the letter on Money Saving Expert and there doing an investigation on it.

Should i send that letter aswell

[animal_lover]

I've looked on the how do i link, but i can't see anything for PPI just for how to use the forum

[citizenB]

I've looked on the how do i link, but i can't see anything for PPI just for how to use the forum

 

 

I am not sure what your question is. Do you want to insert a link as I did earlier for you on the CCA thread.. if so..

 

 

You go into the thread you want say this one. you can either left click in the browser bar at the top, copy then paste the link into your thread or if you want to direct someone to a particular post you can click on the permalink on the right of the post you want someone to see then copy and paste that into your thread. The link below will take you to the post I made in the CCA thread earlier today.

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-600.html#post1573011

[animal_lover]

Hi, no i just meant to put a link for the Credit Agreement, but i wasn't sure how to do it, But it's fine now.

 

Thanks

 

[citizenB]

Hi, no i just meant to put a link for the Credit Agreement, but i wasn't sure how to do it, But it's fine now.

 

Thanks

 

 

Good morning animal lover. I had a lightbulb moment over night and realised that was probably what you meant. My apologies, I am pleased you have managed to work it out.

[animal_lover]

I've received my S.A.R, what do i need to look for.

 

They also haven't given me the info about the person who sold me the policy as i requested

[postggj]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

also an excelent point by pt2537

 

ask for a copy of the underwriting sheet which will show any commission which are not disclosed which then give rise to a claim

 

in your sar i bet they did not give you your insurance details and who your insurance is with , did they

 

this is typical of welcome

 

give them fourteen days and send special delievery

 

give them these pointers and tell them they have a legal obligation to supply ALL DATA

if not you will be submitting a claim through the county court at full costs for the release of this data

[animal_lover]

No they didn't send any of that, I'll wait for 14 days and then i'll send the non compliance letter.

 

Should i ask for the persons details again who sold me the policy, As they didn't send that either

[postggj]

ask them to confirm the person who sold you the policies is qualified to give financial advice and for them to send proof

dont worry this is a welcome tactic

i had months of this merry go round

 

no need to wait fourteen days

send the non compliance letter now and give fourteen days to comply

[postggj]

another point

if you still have the insurance documents check with the insurance company that you do have insurance.

mine was suppose to be with norwich union but they never heard of me

these should have been in your sar but welcome have a habit of leaving them out

 

hmmmm

[postggj]

did you get your default notice in your sar

and your agreement

[animal_lover]

Ok, I'll send the letter today then, I've never recieved any Insurance documents or anything reguarding the PPI but it's still on my Credit Agreement and on other forms they have sent in my S.A.R that i do have it, I don't even now who my insurance is with.

 

Also i never got the Default notice in S.A.R but it's still down as defaulted on my credit files. I recieved another copy of my agreement though.

 

Should i send an CCA request form or should i add it to the list on the Non-Compliance

[postggj]

send the non compliance

tell them you need a copy of the default notice

copies of who you are insured with ref ppi gap etc

no need for cca as you have your sar

and what i said in post 35

as well as the qualifications of the person who sold you the insurances

 

lets see them like that

 

dont let them of the hook

[postggj]

as well if possible can you post your agreement minus personel details

google photo bucket

 

its free

[animal_lover]

yep no probs, it's actually on another thread, so i'll find it and put a link to it for you

[animal_lover]

i've just realised it's on the first page of this thread, the copy they sent me is as blurry as the one already on

[postggj]

ill see if i can contact any one to check the agreement

in your letter ask for the original agreement to be sent to your local office for inspection

just because they have a poor copy does not mean they have the original

[animal_lover]

Great, thanks

 

I sent a pm to Rory32 to see if they could ask Peter Barred to take a quick look. but apparentley he hasn't been on for a while as he's ill so i'm not sure when he will be back on. I didn't know who else to ask

[animal_lover]

Have you managed to ask anyone to check my agreement yet.

 

Thanks

[animal_lover]

I've recived a letter back regarding there investigation into my PPI and Charges and for the PPI they said that they wont refund any premiums as i've signed and enjoyed the benefits of it. i didn't know what i was signing for as she never told me about the PPI she just told me to sign and i don't know anything about my policy or even who it's with. And they also said they wouldn't refund any of my charges. Plus i recieved a reply for the missing information that wasn't included in my S.A.R and they have completely ignored my request and only sent the info they sent me the first time. I think this is gonna be a very long battle

[citizenB]

I've recived a letter back regarding there investigation into my PPI and Charges and for the PPI they said that they wont refund any premiums as i've signed and enjoyed the benefits of it. i didn't know what i was signing for as she never told me about the PPI she just told me to sign and i don't know anything about my policy or even who it's with. And they also said they wouldn't refund any of my charges. Plus i recieved a reply for the missing information that wasn't included in my S.A.R and they have completely ignored my request and only sent the info they sent me the first time. I think this is gonna be a very long battle

 

What benefits have you enjoyed from the PPI ?

[animal_lover]

What benefits have you enjoyed from the PPI ?

 

Nothing i didn't know i had it until recently, like i said i don't even know who the policy is with. I never recieved any paperwork about it and all the ones i've "signed" have her writing on she just told me to sign she printed my name and put the date on. I vividly remember the woman who gave me the loan shouldn't of done it but the person who was was busy but obviously i can't back that up as i have no proof.