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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.

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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.

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Anyone?

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how did you req it?

 

was it thru cca request or just asking for it?

 

ida x


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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


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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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?

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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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.

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

CCMAN Vs Goldfish

 

lowells again


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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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???

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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?

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


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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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

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