Welcome PPI Final Response Letter ***WON***

[postggj]

well that shows its just a sod off template letter

 

still on this

[Fester Tester]

Check Limitations Act 1980. In particular, section 32.

 

I do like the use of the word, FRAUD.

[iwantoneplease]

I have had exactly the same letter

 

Maybe we should send the same letter back,

[iwantoneplease]

Where do we need to go from here then, what response do we need to write back to Welcome?

[082stewie]

Did the letter state it was the Final Response?

 

They should have included a little leaflet about the FOS and how to contact them.

 

If so then you can now go directly to the FOS for consideration. You will have more luck with them than Welcome thats for sure!

 

Takes a bit of time, but you will get there.

 

Stewie:)

[electric2]

Hi, Iwantoneplease, yes we should post the same letter back - Post is going to find a template for us.

 

Stewie, no, my letter did not have final response on it.

[iwantoneplease]

Yes mine says Final Response but came on it's own no leaflets included. I've already lodged this with the FOS but I'm waiting to hear back from them did that end of August.

[iwantoneplease]

FOS have recieved my complaint and will contact me in due course, Any luck with a template letter yet Electric2?

[iwantoneplease]

Could I have some advice please I really need to contact these back asap.

 

Thanks

[iwantoneplease]

Could someone have a look at my letter please:

 

I am writing in response to your letter dated 12th October 2009, with regards the insurance sold with my HP Agreement.Your reference is ********

I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests so I request that you look into my complaint again.

 

With reference to your letter "I would like to take this opportunity to point out that your loan agreement pre-dates the regulation of our business by the Financial Services Authority, and therefore the principles you seek to rely on are not applicable. I would like to take this opportunity to point out that your loan agreement pre-dates the regulation of our business by the Financial Services Authority, and therefore the principles you seek to rely on are not applicable” In response to this to could I remind you that Welcome Finance were covered by the FOS from 23/02/2003 and my HP agreement was taken out in 17/09/03 and I lodged my first complaint regarding PPI 11/05/2006 as my account notes will verify.

 

I would also like to draw to your attention your remark in my letter "Our records show that you have paid for and enjoyed the benefits of the purchased insurance for the term of its respective existence” Could you please explain to me how I have `enjoyed’ the benefits of PPI insurance I find this comment very patronizing at the least.

Could I also bring to your attention that I have all my documents from all my accounts via my SAR nowhere in these documents for account number ******** are a statement of Needs and Demands which is a legal requirement for loan agreements. I have no knowledge of filling this in and I clearly remember being told where to sign and that if I didn’t take these insurances I wouldn’t get the car.

 

Due to this I would also like to mention the Limitation Act 1980 section 32 Postponement of limitation period in case of fraud, concealment or mistake, I do believe that the salesman `Chris' led me to believe that if I did not take these insurances then I wouldn’t get finance and clearly concealed the fact that these insurances were optional.

 

I have filed a complaint with the FOS my reference number *********** and I will be sending copies of your last letter and this response to be added to my complaint.

 

Yours faithfully,

[Fester Tester]

You might also like to question whether Welcome received any commission payments (I prefer "bribe" LOL), and if so, why was this information not disclosed to you also. Again, fraud. OOPS. I mean, concealment of course. Silly me.

[electric2]

FOS have recieved my complaint and will contact me in due course, Any luck with a template letter yet Electric2?

 

Sorry - post didnt get back with one.

[electric2]

Could someone have a look at my letter please:

 

I am writing in response to your letter dated 12th October 2009, with regards the insurance sold with my HP Agreement.Your reference is ********

I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests so I request that you look into my complaint again.

 

With reference to your letter "I would like to take this opportunity to point out that your loan agreement pre-dates the regulation of our business by the Financial Services Authority, and therefore the principles you seek to rely on are not applicable. I would like to take this opportunity to point out that your loan agreement pre-dates the regulation of our business by the Financial Services Authority, and therefore the principles you seek to rely on are not applicable” In response to this to could I remind you that Welcome Finance were covered by the FOS from 23/02/2003 and my HP agreement was taken out in 17/09/03 and I lodged my first complaint regarding PPI 11/05/2006 as my account notes will verify.

 

I would also like to draw to your attention your remark in my letter "Our records show that you have paid for and enjoyed the benefits of the purchased insurance for the term of its respective existence” Could you please explain to me how I have `enjoyed’ the benefits of PPI insurance I find this comment very patronizing at the least.

Could I also bring to your attention that I have all my documents from all my accounts via my SAR nowhere in these documents for account number ******** are a statement of Needs and Demands which is a legal requirement for loan agreements. I have no knowledge of filling this in and I clearly remember being told where to sign and that if I didn’t take these insurances I wouldn’t get the car.

 

Due to this I would also like to mention the Limitation Act 1980 section 32 Postponement of limitation period in case of fraud, concealment or mistake, I do believe that the salesman `Chris' led me to believe that if I did not take these insurances then I wouldn’t get finance and clearly concealed the fact that these insurances were optional.

 

I have filed a complaint with the FOS my reference number *********** and I will be sending copies of your last letter and this response to be added to my complaint.

 

Yours faithfully,

 

Please can I use this letter too - obviously with date changes etc

[andie_303]

Hi there, your letter is very good but I would change the last paragraph regarding the limitations act to also include the statute of limitations runs 6 years after the last payment made not the first and therefore this does not apply.

 

Hope this helps

[iwantoneplease]

Just wanted to update you all, my credit report has now been ammended and yesterday I received a check for £3,818.87 for 2 of my accounts just one more left to go, sent all the information off again today so will start to chase up on Thursday!!!!

[ozzywizard]

Well done !!!!! exelent result

[iwantoneplease]

Well that's it now all paid up, Thank You Welcome Finance just banked my final PPI refund cheque for 2025.10.

 

Took a long time and some stress but positive outcome in the end!

[grantyblade]

Fantastic news. Well Done!!

 

Fingers are crossed so bleedin tightly that mine will materialise!!

[pears23]

Excellent news, how long was process from start to finish? was this positive outcome as a result of FOS involvement in the end?

[beyondhope]

excellent news have reported to site team to change title to WON

[maroondevo52]

Good stuff, iwantoneplease, Title changed