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need advice on Welcome finance


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ok, I have some figures and peerhaps someone can tell me if i'm just wishingful thinking ;

 

£20k borrowed

£6,183 added on for ppi etc.

 

total amount (according to welcome of loan at start

£69879.60

 

Therefore

£43,696 in interest.

 

divide this by 180 months

£242.75 per month.

 

x by 132 months (i'm being generous and giving them 6 months interest)

£32043

 

Total loan £69879.60

minus just interest on remaining years £32043

 

= £37836.60 (this includes me paying ppi)

 

Welcome received form me so far according to their statement :

 

=£39646.60

£1800 too much?

and if you take off ppi at £3573.61

 

Total to pay =£34262.99

 

So Welcome owes me £5383.61?

 

So why are they still asking for another £8k???

 

Please feel free to tell me i'm wrong, it was a secured loan, house sold they took £28k, covered everything in3.5 years, I'd say they did pretty well?

They did try and convert extra into another loan, when i disputed letters over the phone she wanted me to come into the office and bring copies, I told her it's up to her to find copies....

 

Wouldn't go into the office and they are bad enough on the phones!!!

 

any thoughts

Edited by Hampshiregirl
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