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hi animal lover

 

welcome not playing ball

thats to be expected

i feel a complaint about the missing info on your sar needs to be delt with by the ico

makes you think they have some thing to hide, you bet

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Here are the letters i recieved from Welcome

 

http://i157.photobucket.com/albums/t50/jensenjaredaholic/Documents033.jpg

 

http://i157.photobucket.com/albums/t50/jensenjaredaholic/Documents034.jpg

 

http://i157.photobucket.com/albums/t50/jensenjaredaholic/Documents-3.jpg

 

They have also sent a better copy of my agreement, but i'm having problems editing it at the moment but as soon as it's sorted i'll put it up

Edited by animal_lover
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Hmmm, argumentative b*ggers arent they. Did they in fact advise you that you could purchase the insurance cheaper elsewhere ?:) I would suggest you take your case for the PPI to the Financial Ombudsman.

 

I think there are some counter arguments in the Bank Charges forum for the ones they quote in their letter re the charges. Might be worth your looking through those.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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typical response from welcome

i had six months of this

first of all contact direct group for all details they have on you

pt will prob drop in and advise on the legal aspect, but as well as Information Commissioners Office a complaint to the fos is in order

 

dont worry about this as this is the norm

dont take no for an answer

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Hmmm, argumentative b*ggers arent they. Did they in fact advise you that you could purchase the insurance cheaper elsewhere ?:-) I would suggest you take your case for the PPI to the Financial Ombudsman.

 

I think there are some counter arguments in the Bank Charges forum for the ones they quote in their letter re the charges. Might be worth your looking through those.

 

Hi CitizenB, No nothing was mentioned requarding any aspects of PPI, She just gave me info about the loan and told me to sign she printed my name and dates on all documents i just signed, she didn't even give me chance to read them. I was in and out in less than 10mins

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Hmmm, argumentative b*ggers arent they. Did they in fact advise you that you could purchase the insurance cheaper elsewhere ?:) I would suggest you take your case for the PPI to the Financial Ombudsman.

 

I think there are some counter arguments in the Bank Charges forum for the ones they quote in their letter re the charges. Might be worth your looking through those.

 

Hi CitizenB, No nothing was mentioned requarding any aspects of PPI, She just gave me info about the loan and told me to sign she printed my name and dates on all documents i just signed, she didn't even give me chance to read them. I was in and out in less than 10mins

 

Personally, I would start working on your complaint to the Financial Ombudsman Service. When making my claim against HSBC, I seemed to be locked in a never ending round of letters of "We wont pay you, cos we are right".. I just wrote back to them and said ok.. fine, I will use your last letter as a final response and make a complaint to the FOS. Within 48 hours I had a letter saying they would cough up.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Animal Lover, just read through the crap they sent you lol.

 

I am waiting on pretty much the same from them so have started digging - Direct Group ADMINISTER the insurances, they do not supply them.

 

They only do the 'admin' on these policies, I checked into their company details (companies house/Information Commissioner etc) and they do not and are not authorised to sell insurance.

 

So they are not your insurer - which that letter seems to imply to me. I would still demand to know who the actual insurer is....really annoy them :D

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Hi Dipply75, That's what i did when i sent for the missing info from my S,A.R request. I asked for all insurance details including policy and ref numbers etc... aswell as the underwriting sheet, details of who sold me the policy and if they qualified along with the Default notice but they completely ignored it.

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apologies, you did actually say that in your thread, am v blonde today lol.

 

They really are acting like they are hiding something as postggj says, certainly time for that official complaint, you have been more than reasonable so far.

 

Can I ask something - all those documents they mention, suitability and breakdown of figures etc. Did you actually sign these? Reason I ask is that in response to my OH CCA request they sent piles of stuff he had never seen before - all with his signature on.

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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apologies, you did actually say that in your thread, am v blonde today lol.

 

They really are acting like they are hiding something as postggj says, certainly time for that official complaint, you have been more than reasonable so far.

 

Can I ask something - all those documents they mention, suitability and breakdown of figures etc. Did you actually sign these? Reason I ask is that in response to my OH CCA request they sent piles of stuff he had never seen before - all with his signature on.

 

LOL no probs. to be honest i'm not to sure what i did and didn't sign, she didn't let me read them, she just pointed to where i needed to sign and stupidly and desperatley i signed. All i know for sure is that all of them that have asked for my name to be printed and dated are not my handwriting so who knows my signature isn't the hardest to copy. :(

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LOL no probs. to be honest i'm not to sure what i did and didn't sign, she didn't let me read them, she just pointed to where i needed to sign and stupidly and desperatley i signed. All i know for sure is that all of them that have asked for my name to be printed and dated are not my handwriting so who knows my signature isn't the hardest to copy. :(

 

 

Looks as though you could argue that you were given no option to do other than accept the PPI ie no PPI no loan !!. Also the fact that you were not given any details. or advised you could get the insurance elsewhere at a cheaper premium. Do they not have to send all the insurance documents to you within a certain time after signing ?.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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hi animal lover

ive allways smelt a rat with all the insurance welcome sell

cant say to much yet till i can confirm

you need to keep up the preasure

try asking how much commission the sales rep got, they will not tell you but will get them thinking. its obviouse it was missold and you were conned. welcome are very good at that.

ill let you know of my investigation into the insurances that welcome sell

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hi animal lover

ive allways smelt a rat with all the insurance welcome sell

cant say to much yet till i can confirm

you need to keep up the preasure

try asking how much commission the sales rep got, they will not tell you but will get them thinking. its obviouse it was missold and you were conned. welcome are very good at that.

ill let you know of my investigation into the insurances that welcome sell

 

me again animal lover thats what the Information Commissioners Office are for

 

Yep please do tell i'm sure it will be very interesting to know, I'll start my complaint straight away.

I added about the commision in the S.A.R but they just totally ignored it along with the rest of the info

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you need to get the ball rolling

first thing is a letter to the ico detaling the fact that you applied for your sar, which is incomplete.

encose all documentation and what are the things (data) that is missing and that welcome decline to give it to you

 

you also need to put in a complaint to the ico

doing that will cost them £400

give your reasons for misselling, medical history etc, every thing that has been mentioned.

enclose the full and final response from welcome.

the fos are well aware of welcome.

 

again dont worry

 

at first i was the same, twenty questions.

we are hear to help, been there, done that, got the tshirt.

you prob realise by now i hate welcome with a vengence, they gave me four years of hell but i beat them in the end and will gladly pass on my experience.

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hello animal lover

not meaning to hijack just saw post from postggj, what a nice person to post this...

 

you also need to put in a complaint to the Information Commissioners Office

doing that will cost them £400

give your reasons for misselling, medical history etc, every thing that has been mentioned.

enclose the full and final response from welcome.

the fos are well aware of welcome.

 

 

Hopefully this £400 is the same for RBS for my case lodged with Information Commissioners Office months ago.

 

I would say to animal lover as postggj did, do not worry they are very slow but very very understanding. Once you have sent a complaint in, keep them up to date with copies of anything else you receive so they have the full picture.

 

If you would care to look at my thread you will find it full of complaints responses. It could even be worthwhile copying your complaint to the Information Commissioners Office to the FOS, OFT, FSA, BBA and any other organisation you would like to know about the treatment you are getting. You do not get action from them all but it gives them work to do for a stamp. Eventually they will all get the message loud and clear. Stop Mis-selling PPI.

 

Yours a bit miffed with PPI responses or the lack of:x

 

aa:D

 

fortunately had the FOS covered in the thread.

 

If your SAR is incomplete it is the ICO to complain to but no reason not to let everyone on the planet know as well

 

aa

Edited by alanalana
text added highlighted

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Keep fighting! i recently took Welcome to court over the misselling of PPI and won! i recieved my cheque yesterday but it did take 6 months of hard work and research to prove it was missold but thankfully it paid off. IT CAN BE DONE if you have a genuine case which i'm sure you do you have nothing to worry about - give me a shout if you need any help

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As a former Welcome employee for many years, I can confirm that the agreements are likely to be legal they take great care to make sure everything is above board on the surface. If you signed a Demands and needs statement and the agreement then really you will struggle to get them to remove the PPI. However if they do not have evidence to prove then they must remove it. If anyone has any further questions on the company let me know as I know all about the working practices / and adding chreges to accounts that are not legal etc.

 

If you send a letter to the complaints department recorded delivery you will probably get the PPI removed

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