welcome finance Problems

[steve dunn]

write to them and say you are waiting for your cashback

check out this site about the PPI

what warrenty did you have with the car and why did they sell you an extra one

[abi_cutie09]

write to them and say you are waiting for your cashback

check out this site about the PPI

what warrenty did you have with the car and why did they sell you an extra one

 

I have already put in a claim for ppi.

 

What do you mean about the warranty?

[steve dunn]

I have take this from this web site

 

Payment protection insurance : FSA Money made clear ? News

 

How much will it cost?

Remember interest rates and APRs for loans, mortgages and credit/store cards do not usually include the cost of the PPI policy, so comparing interest rates on their own will not be helpful if you are taking out PPI.

 

The salesperson must tell you how much the insurance will cost you separately from the cost of the loan, over the life of the policy. They must also tell you whether buying the policy is compulsory. You can pay by a single upfront premium, or regular monthly premiums. The single premium can be added to your loan, thereby increasing what you borrow. A regular premium is a set amount you pay each month.

 

The salesperson is likely to quote you a monthly figure for the PPI whether they're quoting for a single or regular premium. If you take out a single premium bear in mind that, as it's normally added to your loan, you're being charged interest on that as well. A regular premium may be cheaper because you will not be charged interest. If in doubt, ask the salesperson to clarify what sort of premium they are quoting for.

[steve dunn]

the Warrenty on the car that you get from the garage incase it breaks down did you get 3/6/12 months then the breakdown cover you bought kicks in ?

You paid £600 for mechanical breakdown insurance +interest

[abi_cutie09]

I dont think I got warranty from the garage, only the £600 mechanical breakdown,

[steve dunn]

by the way what car is it and how old when you bought it ?

[postggj]

I have take this from this web site

 

Payment protection insurance : FSA Money made clear ? News

 

How much will it cost?

Remember interest rates and APRs for loans, mortgages and credit/store cards do not usually include the cost of the PPI policy, so comparing interest rates on their own will not be helpful if you are taking out PPI.

 

The salesperson must tell you how much the insurance will cost you separately from the cost of the loan, over the life of the policy. They must also tell you whether buying the policy is compulsory. You can pay by a single upfront premium, or regular monthly premiums. The single premium can be added to your loan, thereby increasing what you borrow. A regular premium is a set amount you pay each month.

 

The salesperson is likely to quote you a monthly figure for the PPI whether they're quoting for a single or regular premium. If you take out a single premium bear in mind that, as it's normally added to your loan, you're being charged interest on that as well. A regular premium may be cheaper because you will not be charged interest. If in doubt, ask the salesperson to clarify what sort of premium they are quoting for.

 

 

 

BANG ON

 

ITS CALLED A STATEMENT OF PRICE

ALSO A STATEMENT OF MEANS NEEDS TO BE DONE AT THE SAME TIME TO SEE IF THE PPI ETC IS SUTABLE

 

THESE PPI PAYMENTS ETC ARE FRONT LOADED, PAID UP FRONT IN ONE GO TO SCREW YOU ON THE APR FROM THE START

[abi_cutie09]

???

Edited January 9, 2010 by abi_cutie09
??

[steve dunn]

they stitched you up on this didn't they ?

do you know who your MP is and if he/she has a local clinic that you can call in at and speak to them.

I am in politics and it can help if your MP can contact the garage on your behalf

I would think they would be horrified to find that you are paying £14,000 for a £4300 car and the papers also I would have them in the Sun or News of the World it might help a lot of people in the same situation as you .

 

I am going to bed now but will check back tomorrow

[just_a_girl]

Thanks guys

 

oops sorry Abi_cutie

 

=O

 

Good Luck and Wishing y'all a Prosperous New Year

 

x

[steve dunn]

that is rediculous I bought my twin daughters a brand new in 04 to go to college for £6300 delivered to the door and traded it in 08 for £1800

[steve dunn]

check if the Fiat warrenty was still on the car when you bought it , it might help you with getting back the breakdown insurance if it was and they knew it and sold it to you under false pretensis

[abi_cutie09]

Thanks steve dunn for your advice,

Me and my keyboard are extremely tired now so i am calling it a night.

 

Thanks everyone and happy new year!!

[abi_cutie09]

I sent the two letters that are in post number 290,

 

They responded with a letter thanking me for a subject access request

 

and acknowledged the £1postal order.

 

They also said the sar is being processed.

 

but it was not a sar that i sent???

[pwg6565]

Hi abi. That seems to be par for the course with Welcome I am afraid. I never recieved a response regarding the CCA request, only SAR. If you dont recieve the info requested in the legal time frames then put the account in dispute until they comply with your legal request. Welcome seem to be dragging things out bigtime at the moment.

[leelakey07]

I have had the same Abi SAR instead of a CCA actually they just said they are processing it not actually received anything and they have been at it 3 months now!

[pwg6565]

Hi lee. Hope you have put the account in dispute.

 

Try sending this.

 

Send if the 40 days has expired.

 

************************* ************************* **

 

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated (Insert Date). The disclosure of personal data is incomplete in that at least the following documents are missing.

 

(Adapt this next section to your situation)

 

1) You have failed to provide a complete list of transactions and charges.(Add details of missing period - or a transaction that you know about which is not included)

2) You have provided no notes, or documents relating to any legal action between you and myself.

3) You have provided no notes, or documents relating to instances of manual intervention.

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

 

Yours faithfully,

 

 

 

[name]

.

.

 

[postggj]

THAT WAS NOT an sar

that was a request under cpr 31.16

they have to comply

 

ill do a letter for you

[abi_cutie09]

#Latest update#

 

Got a letter from welcome today,

 

It is in responce to my letter telling them to shove there ppi questionnaire.

(which I sent weeks ago)

 

This is what they wrote.

 

''As explained in our previous correspondence, I have closed the complaint until such time you provide me with the questionnaire.Upon receipt of the aforementioned correspondence, I will investigate and issue a final responce in the timescale allowed''.

 

I just don't know what to do any more, feel like banging my head against a wall.

 

They signed for the missold ppi letter on the 10th November 09,

 

I thought they had 8 weeks to give a final responce,

[abi_cutie09]

Just a quick update,

 

I have also recieved letters offering a 25% reduction for my hp and personal loan. These were sent about two weeks ago.

 

I then received last week default notices for both my accounts.

 

My broadband is down at the moment so I am having to use dial up instead. So I wont be online very much for the next week.

 

 

 

 

I re

[timelordxr]

bought my car from carcraft thru welcome had a voucher for £500 off a car and was offered £500 off my car yet on contract part ex was £25.00

[abi_cutie09]

They have passed my accounts on to lewis debt recovery, even though I am in dispute, They have sent me letters stating I can avoid court action if I pay half of what is owed. What a joke.

[abi_cutie09]

I haven't made a payment since september 09, but they still haven't been for the car.