Help with 'Welcome' please.

[dawnytrish]

Good morning everyone.

 

I have posted more documents to my list for your perusal:)

 

Demands and needs....not signed.

 

Eligibility and suitability...signed.

 

Budget assessment...which states at the bottom 'Now read all of section 7.Disclosure for each product recommended.Give customer an insurance leaflet for every product you are recommending'....We still have nothing re insurances apart from letter already posted and have NO section 7 in the SAR.

 

Insurance suitability form.

 

 

All this was done in the local office in about 15/20 minutes and then he walked out with a cheque for £2500......and a debt for life:confused:

 

 

I must also tell you at the time of taking out this loan he had a joint car HP agreement with his Ex...which has now been re-written in just her name (Poor girl).

 

All help would be really appreciated.Pictures by dawnytrish - Photobucket

 

 

 

Thanks again

Dawnx

[mark1arby]

Hi Dawnytrish. I have just been looking at your docs on photobucket. they are clean as a whistle as they say. They are really easy to read.

 

I was wondering if in the middle of your fight with the **** if you could help me out by telling me what settings you used on your computer. also what do you edit them with and how you uploaded them to photo bucket.

 

I`m having lots of problems getting readable docs onto photo bucket, yours are brills. I have lots more to post up and I don`t want to spend the next 4 or 5 days working it all out for myself.lol.

 

So any hints or tips would be greatly recieved.

 

Thanks V much for your time.

 

Cheers MARK

[emmilou1]

In my insurance terms and conditions it states that you can cancel your insurances within 30 days of recieving the documents and get back any premiums paid. Since you've never recieved any documents I think you'd be within your rights to request your documents from direct group then when you get them cancel within the 30 days there's another cagger on here thats trying this out.

 

Not sure what insurances you have or if it's the same as mine but it could be worth a try.

[dawnytrish]

Hi Mark,

 

I am all new to this myself, so sorry but I really can't help.I just scanned them from my printer, which is a Brother DCP, into a file on my computer and then uploaded them from the file onto photobucket.

Sorry I don't know about settings or anything else.

 

Emmilou.

Thanks for that.I have sent SAR to Direct group so will wait and see what they come up with.

Welcome have sent no info re Insurances at all.

 

Thanks everyone for the ongoing help.

Dawnx

[mark1arby]

No probs Dawn. It might just be the quality of the documents themselves. Which says a lot.

 

Cheers MARK

[dawnytrish]

Bumping:D for tomorrow.

[dawnytrish]

Bump...xxxx

[dawnytrish]

;);)

[postggj]

whats the situation at the moment dawn

 

any developments

[dawnytrish]

Hi Post,

Could you please take a look at post 67 on my thread..I have listed all I received and have posted them for you to have a look.

Don,t know if I need to wait for Direct Group who we have sent SAR to or write to Welcome for insurance details.....would this be an incomplete SAR we have received.....eg No T & cs & no insurance policy details.

 

Thanks for helping on this

Dawnx

[postggj]

dawn

 

was it my own special sar for welcome, the one that asked for specific info

 

welcome were shall we say, forgetting to include docs,

that sar left them no excuse

[dawnytrish]

Yes Post...it was your special one asking for all insurance products ,underwriting sheets and whopremiums paid to.....and then you just altered it for Direct Group for me.

 

Do I need to send them another letter re incomplete SAR if do do you have a template please.

Thanks again

Dawnx

[postggj]

you bet i do

 

give me half hour and ill post it up

[dawnytrish]

Cheers Post and Thank you

 

Dawnx

[postggj]

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]

 

.

.

 

 

thats the correct template

it just needs me to fill in the missing docs

 

dawn

 

can you list what you think is missing and ill compare it with my list

 

two heads better than one

[dawnytrish]

We have had no terms and conditions and also nothing regarding the insurances apart from the Statement of Demands and needs and the Insurance suitability and eligibility tick sheets.

 

No policies....nothing to say who has been paid what.

 

I have posted everything I have on my post 67.(Could you have a look please)

Surely we should have T & Cs re loan and insurances...but nothing.

 

Also as I said, he did have a joint HP loan with his ex...which has since been re-done just in his ex,s name...but should we have had any info regarding this joint loan.

 

Thanks again

Dawnx

[dawnytrish]

Forgot to say...on Statement of account Page 1 it says acceptance fee and MIF???????Pictures by dawnytrish - Photobucket

[postggj]

you did an sar with direct group

any news on that

 

mind you, welcome were quick with there sar, did not like my questions it seems

time to turn the screw,

once the letter is sent, you have to follow up the threat

 

ill start filling it in now

[dawnytrish]

Yep..did SAR Direct Group...but nothing yet.If you want us to wait a while we will.

 

 

It only took Welcome a week.(Which I thought was extremely quick)

 

If you think it is time to send the letter we are up for what ever you say.

 

We need to stop paying these ridiculous amounts 70%plus interest rates ASAP.

 

Let me know if you think we should wait a while or just go for it.

 

Thanks

Dawnx

[postggj]

did you sign the eligibility and sutability form

 

going through each item on photo bucket

[postggj]

life care

so two children some how included

 

did you sign this

[dawnytrish]

Yes he did sign that and the statement of price and the agreement.

He just signed anything they shoved at him.

In and out in 20 minutes with a cheque for £2500.

 

If it is all enforceable we will still claim for mis-sold ppi it was implied he needed to take it to get the loan.

Thanks for your time

Dawnx

[postggj]

did you sign demands and needs

[dawnytrish]

Yes...he does have 2 children with his ex...but on the Statement of demands and Needs it states..no dependants.

Edited October 24, 2009 by dawnytrish

[postggj]

on the statement i see you made a payment by card

they have wacked on fee assesment for the priv of paying by card

 

this £3.37 IS A NO NO IF PAID BY DEBIT AND NOT CREDIT CARD

 

CON MEN