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    • We’ve all ignored and I know people who’ve been back for years longer and always ignored and nothing has ever come of it 
    • I received several letters from J&P which were just ignored, but now I've received the same paploc Eve appears to have. As it stands, I'm looking to complete & reply as per the oft-referenced thread #5. After reading a few comments about ignoring and nothing progressing from J&P side, I'm intrigued whether they were just general 'please contact us type letters' or letters of claim/paplocs?  I realise for some it's a personal decision or based on advice, but given advice on here is not to ignore paplocs, what was the reasoning to ignore? 
    • Afternoon All. I have today received a court order requiring me to send them more details before 16:00 on 8 July. A copy of the order is attached, but the relevant paras seem to be: 2 Send all of the documents that are relevant to your case to the court at the above address, also send them to the other side. Both parties must do this. These documents should be placed in date order and should be numbered in the bottom right hand corner. You should include the following documents if available: •       A copy of the contract/agreement •       Relevant correspondence, including text messages and emails  Photographs Before 4pm 08 July 2024 3 Send to the court and send to the other party your own witness statement and also witness statements from anyone who can give relevant evidence about your case. Both parties must do this. A witness statement must •       have the court case number at the top •       start with the witness’ name and address •       it must contain numbered paragraphs and should be typed and double spaced. If not typed, it must be written clearly in block capitals or printed. •       finish with the words “I believe the facts set out above to be true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth”, the date of the statement and the person’s signature. The original statement must be sent to the court and copies must be sent to the other side. Before 4pm 08 July 2024 I'm a little confused by para 7 in the order : Because this order has been made by a Legal Adviser without a hearing, you have the right to request that the decision of the Legal Adviser be reconsidered by a District Judge. Any request must be sent to the court to arrive by 4PM 12 June 2024. The request may be made in your online account, by email or on paper. The request must include an explanation of why the reconsideration is sought. Is this normal? Do I have to do anything with this by 12 June? As ever, many thanks    527MC352-claim-direction-order (anonymised).pdf
    • might be your close I’ll check or maybe they stopped giving notice if an adovcate is going to attend because they dont want a reapeat of last time
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PPI Offer from Welcome


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Confused by name confused by nature, regarding my PPI on my secured loan, how do I know if it was meant to be covered by NU all i have is my loan agreement telling me how much I have been charged so what do I do next? my solicitor has sent a SAR to Welcome do I wait for that back and this gives me the info or do I SAR Norwich Union myself?

 

Sorry to be asking stupid questions, just want to be sure Im doing all I should be.

 

Thanks

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ok so completely confused can someone give it to me in words of no more that two syllabuls, If i have a secured loan with PPI ( plus two other i repaid early lalso with PPI) if it all goes as peolpe seem to be intimiating on this thread will i not have to repay my loan or will i automatically get my PPI premium and interest back?

 

Sorry for the stupid question but thought I was quite intelligent until I read some of the posts on here and i bow to your superior knowledge!

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ok so completely confused can someone give it to me in words of no more that two syllabuls, If i have a secured loan with PPI ( plus two other i repaid early lalso with PPI) if it all goes as peolpe seem to be intimiating on this thread will i not have to repay my loan or will i automatically get my PPI premium and interest back?

 

Sorry for the stupid question but thought I was quite intelligent until I read some of the posts on here and i bow to your superior knowledge!

 

all hypothetical at the moment - we don't know 100% what will happen until it all breaks.

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  • 5 months later...

Hi

 

I have received an offer to settle my PPI claim from Welcome and before I agree to it I wonder if you good people could help me a few things.

 

I have three claims two on loans that I settled early and one on a current loan.

 

On the two that I settled early they are offering the PPI premium , less the rebate that they supposedly gave me when I settled the loan, plus the contractual interest that I paid whilst I had the loan and a one off 8pct interest payment on this total. My questions on this are, Do I trust them that I actually got the rebate when I settled the loans early, as Im sure our settlement figures were more then we borrowed, and we were never in arrears at any time or do I need them to show exactly what we borrowed, paid in monthly instalments and then ultimately paid back in a settlement figure. Also is the 8pct interest meant to be compound or simple?

 

On my current loan , they are offering to rewrite it without the ppi with the same start date and they will refund me my overpayments that I have made since the start of the loan and now. They cannot say a figure until I sign the new loan agreement which is undated and I am reluctant to sign at the moment.

 

Any advice would be great.

 

Thanks

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hi confused of essex

 

if this is the southend branch check all paperwork if you intend to rewrite it as they often slip in refinacing fees and other charges

 

that said i have read you should not sign new agreements on trade premises as you have no rights to cancellations, but am not too sure

 

i am sure someone will put me right on this

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well well

 

i have a letter on file saying they dont do a ppi/interest rebate

 

its an early settlement penalty so they say

 

IF THEY SPOUT THAT LINE, DEMAND TO KNOW WHERE IT STATES THAT IN THE T&C LET ALONE THE AGREEMENT, MORE BS FROM WELCOME THAT

 

trust them you got the rebate

never, never

 

i would ask where on your next loan statement does it show any rebate being caried over

 

i would go for contractual interest

use welcomes own sky high apr not 8%

its your money at the end of the day

 

welcome and sign a new agreement

ask your self

what con this time

 

you have no right to cancel signing on trade prem

something welcome neglect to tell you that

 

 

MY ADVICE IF A REWRITE IS BEING DONE

 

YOU WANT THE AGREEMENT TO THE ORIGINAL AMOUNT WITH NO PPI, GAP, NUCLEAR BOMB INSURANCE, NOTHING,

THEN YOU DEDUCT ANY DEPOSIT IF IT WAS FOR A CAR

CHECK WHAT APR YOU WILL BE PAYING

THEN DEDUCT ALL PAYMENTS

THATS START AFRESH AGREEMENT

WHEN THEY SHOVE THE AGREEMENT UNDER YOUR NOSE, DEMAND 10 MINUTES TO READ IT OVER

TRY AND FIND THE CON

BEING A CAGGER I FEEL YOU KNOW HOW WELCOME OPERATE

 

ONCE SIGNED, THATS IT, NO COME BACK

 

THEY CANT BACKDATE THE LOAN TO THE ORIGINAL START DATE, ITS ILLEGAL

WHAT CON IS THIS YOU MAY ASK YOUR SELF

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Hi Guys

 

Post - Im glad you think the same (it makes me feel I sort of know what Im doing if im thinking along the sames lines as you!).

 

I have a letter here stating that on my two settled loans that they had already given me a rebate on the premium when I settled them early. Also in the letter that tell me that they are going to rewrite me current loan with the original start date, but you say this is illegal.

 

I have written to them today asking for a statement of account for the two settled loans so that we can see if in fact they have ever given me a rebate. Im sure this will take ages as they havent responded to my SAR from March yet.

 

Would you like to see my letter I can scan it and email it to you if its any help in your fight.

 

Thanks once again for you help

 

Confused.

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