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    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
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    • who gave you the NTH? who was it sent to? thread title updated dx  
    • blimey CAG gave all that FREE help over +6mts and +100 posts and they never even bothered to comeback...
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welcome finance - problems !


pinklily0105
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Ok so I have posted an issue with my secured loan on another post and it was suggested that I run my own thread.

 

Took out a secured loan with welcome 1st nov 06. Biggest mistake ever !! We were told at the time that the ppi was a condition of the credit; it was suggested that the application would be refused otherwise and at the time we were desperate so went along with it. Obviously since, I have been made aware of this site and watched with much interest. I soon realised we could claim for PPI mis-sell, also the fact that our agreement was for 180months and the cover only lasts for between 36-60months. So thats a con in itself! Anyway I complained to welcome and they hit back saying that it has took us too long to comaplin and so we have experienced the benefits of the insurance and can't very well claim now, also the fact that it was ticked at the bottom of the form that we knew it was optional. I must point out, we did not tick it ourselves, we were just shown where to signiture the form, silly on our part I KNOW !

 

Im ashamed to admit that was January this year, and we haven't persued welcome any further - would I still be able to do this now ?

 

After spending a long day today reading all about your fights with welcome, I have become more concerned of how we have been conned.

 

As i say it is secured, but we didn't have a cooling off period as such. We rung up cause we already had a personal loan with them, they made us an appointment to go in. They went through our earnings and what we already paid out. Then said we had the loan, we just had to go back the next week and sign. We did and was given the cheque the same day. After I have looked on at my agreement today though there are 3 different dates on my paperwork ! How silly were we not to pick up on it ! So we can't prove any of that now !

 

Then I have learnt today that we have been paying interest on the acceptance fee. it was 235, but on our breakdown of payment we are paying 4.30per month for it over 180month period. So certainly not 235 !!!

 

I am going to try to put my agreement on here, just need to suss it out !

 

So not sure what to do now. We have never missed a payment with them, though it cripples us, too scared to in case they take my house, read too many bad things about them.

 

Should I be getting a solicitor to look over my agreement ? Not sure if I have any case with them, as they shot down my PPI claim, maybe just this acceptance fee, if it is illegal to charge interest.

 

Any advice would be very greatly appreciated, sorry I know its been a long one and you have all fights of your own! Thanks for reading it.

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welcome are one of our worst co's on here ever!

 

don't take no for an answer.

 

go get 'em for everything you mention.

 

you might find it useful to read the 'notes for claimants' sticky in the PPI forum by alanalana.

 

off you, go and we'll help you get these issues sorted.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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HI PINKLIILY

 

RIGHT, NOW YOUR THREAD IS UP AND RUNNING

 

FIRST THING THAT STANDS OUT IS NO 14 DAYS COOLING OFF PERIOD

 

THATS ONE

 

OK WHAT I WANT YOU TO DO FIRST IS CONTACT THESE PEOPLE AND REQUEST THEY SEND ALL DETAILS THEY HAVE ON YOU

 

Direct Group - Where Insurance and Innovation Combine - Home Page

 

 

IME WELL UP ON ALL THE WELCOME TRICKS SO ILL BE WITH YOU ALL THE WAY

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Anyway thanks for coming on to this postggj, I've read so many of your threads. What do I need to say to this direct group, will I need to give them any account details etc from welcome ? All in writing I take it ? I do have the policy schedule from these, which i was sent at the beginning of the loan.

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hopefullu you can see the documents i have scanned. There are only 2 others are duplicates, i is the loan agreement, the other is the breakdown of the monthly payment which shows we are paying 4.30 per month for 180 months for settlement fee of 235 !

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yes its a joint secured loan, think i have duplicated the copies on photobucket, all the info is for the same secured loan.

 

But yes your right they have seen us coming, i am kicking myself several times a day ! can't believe what we have done really.

 

My husband has had the personal loans in the past, but basically we got the 10000 secured loan, the other 1873.41 was to pay off existing personal loan and then obviously all the insurances we were conned into !

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