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janmal2000

Welcome secured loan, defaulted nearly 5yrs ago?

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Hi

I have a secured loan with Welcome, defaulted some 5yrs ago.

I logged a claim on PPI with due to unable to work due to ill health. Major issues with Welcome saying they were not paying out as not received claim forms etc, and i refused to pay.

Interest is adding each year, defaulted at £8k now £12k owing.

 

is it too late to do anything such as SAR to dispute the agreement or PPI wrongly sold (was told cant have loan if dont have PPI) ?

 

thanks

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do you have the ppi policy doc

 

i doubt it as this is welcome we are talking about

when was the last payment

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Def never seen or recevied PPI.

default was approx March 2004 so last payment was some time previously.

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ok then you are moving into my area now

 

i want you to phone this number and ask if they have any details on you

0844 412 4100

 

its a company called direct group who so called addmin the policies

 

have a pen and paper handy to take notes

 

do it now please so we can move on this

 

if they do request they send every thing to you

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have been trying to get through all afternoon, will keep trying :)

thanks

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i spoke to direct this morning, they advised that they DO have my info and policy details etc and are going to send copies of everything they hold out to me today.

 

They stated Aviva/Norwich Union is who covered the policy.

 

thanks postggj

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From direct group this morning:

 

WelcomePPIletter.jpg

 

WelcomePPIterms1.jpg

 

WelcomePPIterms2.jpg

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i hope that i have done it ok?

Edited by janmal2000
re-worded

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do i need to send Welcome a SAR ?

thanks

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going to send off SAR today, just in case.

 

I did have a lot of my documents i sent on my PC but the thing crashed and i lost everything so only have very recent letters i sent. hope this wont go against me if i have to provide any supporting evidence. :(

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i could knock that up on my pc

janmal

 

phone direct group again and ask for a copy of the statement of means

 

you are being given the run a round

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postggj, will ring them tomorrow and ask for that.

 

i thought what they provided me was correct - shows how little we know and how much they try to fob us off!!!

 

(did i post them correct or was it too hard for you to read them as writing small? if wrong, please let me know so i can do them right the next time- its a big learning curve!).

 

thanks lots

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Janmal

 

Ask For A Copy Of The Underwriting Sheet As Well

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sub

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being chased !!!

 

 

HOW

IN WHAT WAY

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sorry, i am chasing them as they have not given me the info and they are passing me around.

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which part of welcome are you phoning or direct group

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i am ringing direct group who puts me through to the welcome team

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so direct group are saying they have there own dept ref welcome

 

we knew this but still not confirmed

 

are direct group infact just transfering back to welcome

 

time will tell

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yep, and they have actually put me through to someone, now they say the line is busy and someone from that 'team' will ring me back - needless to say they dont.

 

had letter from welcome today stating they had my SAR and am processing my information.

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well, today i have had a letter from AVIVA?!?

 

th_Copyof260609fromaviva.jpg

 

stating my complaint has been escalated to them by Direct group who are the administers of the policy. AVIVA are the underwriters!

 

I dont get this.....i have not raised any complaint what-so-ever with anyone so any ideas of what is going on here??

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hi janmal

 

what we have on this one is the unholy trinity

 

welcome

direct group

norwich union/aviva

 

we have busted them on the undisclosed commission payments and they are each trying to cover there own backs

 

wait to see the final reply given

 

can you repost that letter

google photo bucket

 

use the upload link for message boards with out thumbnails option to post

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Copyof260609fromaviva.jpg

 

is this what you mean? i am trying different ways of uploading but not sure which one is right :/

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Thats Better

 

You Have Got It Now

 

Now Lets See What Clap Trap They Do By Return

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