Welcome Car Finance

[kregrs]

I took out a secured loan with Welcome in Jan 04, lost my job in Apr 04 and was told I couldn't claim on PPI. Loan was paid off early in Aug 04 due to remortgage. I understand I can claim back the PPI cost, as I remember being told I had to have the PPI or no loan, is there a rough timescale, from start to finish, of claiming it back? The loan was for £2500, over 3yrs if thats any help.

[kregrs]

Just a quick question. My ex partner and I took out some finance with Welcome last feb (08), and after signing the paperwork in the dealers office, was a local dealer and nothing to with welcome, the page with the sigs on was faxed to Welcome in order for them to authorise us taking the car, then the actual paperwork was posted to them.

Now, the paperwork we got through the post relating to the agreement, and subsequent requests,have all been copies of the faxed page, complete with date of the fax transmission, we never got to see actual copies of the originals, just the fax, almost as if the originals were lost in the post, or not posted at all!

Is there anything wrong with this? Numerous times in the past I've asked for a copy of the documents, not the fax, but no luck so far.

[kregrs]

Anyone?

[IdaInFife]

how did you req it?

 

was it thru cca request or just asking for it?

 

ida x

[alanalana]

Hello kregrs,

 

I took out a secured loan with Welcome in Jan 04, lost my job in Apr 04 and was told I couldn't claim on PPI. Loan was paid off early in Aug 04 due to remortgage. I understand I can claim back the PPI cost, as I remember being told I had to have the PPI or no loan, is there a rough timescale, from start to finish, of claiming it back? The loan was for £2500, over 3yrs if thats any help.

 

I managed to claim back to 1997 but against RBS and Direct Line Financial Services. Not sure how you will stand with Welcome but I would send a Subject Access Request to get all of your information and take it from there.

 

Please see these links which may help you decide on a course of action.

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

Another Useful article on Single Premium PPI and why the FSA say it was unfair.

Payment protection insurance (PPI) – Refunds of single premiums : FSA Money made clear – Unfair contracts

[kregrs]

So far has just been thru asking for it, although if I send a CCA request and still get the same, does it make any difference?

[42man]

Have you tried this - http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html

[kregrs]

Will look into it, but what would be the outcome if I asked them to disclose it, and yet again they supplied the fax copy? I remember asking, on the phone to them once, for a copy of the agreement and not the fax copy they'd sent me, and still all I received was the fax copy.

[42man]

Then you can take them to court... have a read of these -

CCMAN Vs Goldfish

 

lowells again

[kregrs]

Well, now have the agreement to hand, after simply calling in to their office and asking for it. The element I'd been concerned about, as in the fax copy, after looking at it again, seems that we never could have signed an original copy, as the piece of paper with our sig's on, while being a fax copy, is actually dated from 2 weeks before we signed it! So I'm guessing that maybe the original was never to hand when we signed.

So I guess this disclosure thing might be a good idea???

[kregrs]

Quick question. If all goes to plan and the agreement is declared unenforceable, what happens to the car? If I get to keep it, could I get it removed from the HPI register?

[42man]

Yes.....legal case is Wilson vs First County Trust - interesting reading

[JonCris]

Correct but labour disgracefully, & at the behest of their friends in the city, still revoked 127 claiming it was a breach of the creditors human rights. They forgot one thing (or should I say deliberately overlooked it) a firm does not have human rights only an individual