Welcome Finance

[Hacked_Off]

So basically i took out a loan with welcome in october 2006. aboot a year into the loan i was made redundant. I have nw got a dmp in place (in control) paing 50 a month (even though im on the dole and its killin me). The dmp people asked welcome if i had ppi or any other insuance, they said no. I have since found the oriinal paper work and i have infact ot ppi AND lifecare 24. I remeber aving a VERY brief phonecall with them and they basically said no ppi and lifecare no loan.

 

Does anybody now what my first action would be?

 

thanks alot

 

Ohand before i was made redundant i missed one payment and the sent to heavies round to my house at 3am they hammered on my front dor and i went down and was threatened, scared half to death, then charged 60 for the pleasure!!!!

[postggj]

OK, TO BEGIN WITH

GIVE THESE PEOPLE A CALL

ASK IF THEY HAVE ANY DETAILS ON YOU

WHAT THEY ARE AND TO SEND THEM TO YOU

 

SAY YOUR FINANCIAL ADVISOR WOULD LIKE THEM TO KEEP THEM SWEET

 

Direct Group - Where Insurance and Innovation Combine - Home Page

 

 

THAT REQUEST BY THE DMP TO WELCOME REF IF YOU HAD PPI

 

WAS THE REPLY IN WRITING AND DO YOU HAVE IT

 

 

GIVE THEM A CALL NOW AND GET BACK TO ME

[Hacked_Off]

i have no credit to ring them until friday!! i have just e mailed the dmp to see if they will do it for me there usually quick to respond.

 

Also how do i find out if i have ppi on a barclaycard and with capital one?

 

Thanks again

[postggj]

See If You Can Get That Letter From Your Dmp

 

Direct Group Will Have Your Details Ref Ppi Etc

 

Seems Welcome Have Been Economical With The Truth Again And With Any Luck Get You A Decent Payday

 

 

You Will Have To Write In To Barclaycard And Cap1

You Would Normally Send An Sar But As Thats 10 Quid A Pop

 

Try Asking On The Phone And To Send Details

[Hacked_Off]

also i have the original cca from a welcome loan taken out in october 2006 if anyone would mind taking a look. i am planning on sending them a cca aswell on monday im curious to see what they have.

[dx100uk]

also i have the original cca from a welcome loan taken out in october 2006 if anyone would mind taking a look. i am planning on sending them a cca aswell on monday im curious to see what they have.

 

i'd start a thread in the welcome finance forum

 

dx

[Hacked_Off]

i took out the loan in october 2006. After being made redundant around 1 year into making payments to them i fell into debt and took out a dmp with in control finance (avoid!) the dmp told me they had asked welcome if i had ppi. they said no. I have recently found the old cca, with some pages missing. the agreement sdays i do have ppi and lifecare 24 (???!!)

 

Edited September 3, 2009 by Hacked_Off

[emanevs]

are any of these signed?

[Hacked_Off]

no. that was my copy the one that i sent back to them was signed.

[dx100uk]

well you certainly have a case for reclaiming the mis-sold ppi!

 

you didn't want it but were told you must take it out?

 

dx

[emanevs]

You need to get the signed ones, as per the CCA request including the details showing when the agreement was completed (signed between both parties)

[IainHL]

Also I notice you seem to have a 60 month Lifecare policy to go with a 36 month credit agreement. That is very likely to make some of the figures go seriously awry (I have not gone through them with a calculator myself though).

 

I can feel Postggj smiling now!

[emanevs]

welscumm will be toast me thinks!!

[Hacked_Off]

yeah i spoke to them on the phone and they just basically said "take the ppi or no loan" the lifecare wasnt mentioned. if you look at the cca for the ppi and lifecare its an electronic tick, not done by hand. so u think i should cca them first?

[emanevs]

Yep

[Hacked_Off]

i just remebered. When i first applied for the loan it was with "yes loans" they charged me a "£80 fee" and then i got a lettersaying "congrats....welcome finance have accepted..."

[emanevs]

Get all the info, then have a look,

cheers

[Hacked_Off]

cca sent today:D

[postggj]

hi zararh

 

first thing phone these people

 

they are welcomes partner in crime on these micky mouse insurance policies

 

just say you had a welcome loan and ask if they have any insurance products on file

 

just because its on the agreement does not mean you have it , if you get my drift

 

softly softly catchy monkey

 

Direct Group - Where Insurance and Innovation Combine - Home Page

[Hacked_Off]

ive not had a chance to phone thmm yet. but the total amount payable on the above posted agreement was how much i was paying, ive checked old statements!!

 

cca was delivered today:p

[Hacked_Off]

ive not had a chance to phone thmm yet. but the total amount payable on the above posted agreement was how much i was paying, ive checked old statements!!

[Hacked_Off]

all my cca letters have been sent on the 7th al have been recieved except the welcome one. its till showing as "accepted at post office":confused:

[emanevs]

if you sent them recorded delivery and you have a receipt, whats the problem?

 

where did you sent the CCA request?

[emanevs]

on your statement, what did the opening 'disbursement' state? i.e did you sign for that loan amount? wen is the agreement signed - wen did you the money after signing?

[Hacked_Off]

i payed them a £80 fee then got this from yes:

 

 

I then had a very brief phone call with welcome. I remeber having a very vague conversation wih them about the ppi. they told me if i was made redundant etc i would be covered. I told them i didnt want it and they said "no ppi no loan" to be honest at the time i was desperate. then when i was made redundant i rang them to make a claim and they told me the ppi didnt cover me losing my job?!?!?

 

i signed the agreement from welcome in october 2006 and started paying one month after recieving the loan amount (1,250) which was roughly recieved two weeks after signing. i remeber signing there copy but not my own. Oh and i never recieved a copy with there sig on it.