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    • It is already trespass, nothing further needed to make out trespass. Not sure where ‘interference with goods’ helps you / how you’d bring a claim for that that stops them parking there.
    • Thanks Dx,    For some further information, the holiday was booked as a package holiday for 2. One of the 2 had to be changed, and changing costs £700 for a new flight as "tickets had been issued and they cant do a name change". I cant quite figure out how compensation works for things when it comes to package holidays.    From what I can tell  - The plane was due to land in Turks and Caicos to drop off passengers, something happened during descent, resulting in technical fault.  - The rest of the original flight from Turks & Caicos -> Montego Bay was cancelled  - A New flight was put on today, which was then delayed by 1.5hrs aswell  - Hotel was provided for the night after much hassle.  - 1.5 days, 2 evenings of holiday lost  If I understand correctly, since the original flight (LHR -> Turks -> Montego Bay) was cancelled, they are both entitled to a refund on that full flight? I can't quite work out if they are only entitled to a refund for the equivalent of Turks -> Montego Bay, or for the full LHR->Turks->Montego Bay, since it was issued as one ticket/all Virgin, and they should have arrived yesterday..?)  I can't work out how to get the cost of that compensation, or whether its a set figure, and how the loss of days of holiday is factored in   I am aware:  If you received less than 14 days’ notice of the cancellation, you are generally due compensation, awarded in pounds or euros depending on where your flight was due to depart from, according to the following scale: £220 / €250 for all flights of 1,500km or less (e.g. Glasgow to Amsterdam); £350 / €400 for all flights between 1,500km and 3,500km (e.g. East Midlands to Marrakech); £520 / €600 for all other flights (e.g. London to New York). Compensation will be reduced by 50% if the arrival time of the replacement flight doesn’t exceed the arrival time of the original flight by: two hours for flights of 1,500km or less; three hours for flights between 1,500km and 3,500km; four hours for all other flights. So I "think" its £520pp for the flight part as compensation... but some sites say its a full refund for the flight... is it both?  Thanks,  Ryan  
    • Our business was only transacted digitally as I was not in England at that time.  
    • Funny. But not sure I should ! Wondering if I could place pots and plants - which a) would look nice and b) would it then be trespass and interference of goods?
    • probably this buy out everyone goes on about. well just make sure they do properly sanitise your credit file. dx  
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welcome finance loan ppi


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hi,

I have just started looking into claiming back my ppi from welcome finance, I took out the loan on 20th sept 2007. for £2000. since looking on some other threads i have sent out my sar letter this morning by registered post. I presume that i now have to just wait for 40 days to get a reply from them. i will probably need help then, as i am unsure what the next step would be. I am also unsure as to wether or not i can claim anything, but i thought i would give it a try, as they are a nightmare to deal with anyway, so even if i just annoy them into more work it will be a bonus for me! but to be able to get money from them would be fantastic. Has anyone actually successfully claimed from welcome finance yet?

thanks

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morning wasp

 

first thing is to give these people a call

http://www.directgroup.co.uk/

they are welcomes partner in crime on the insurance racket

ask them to send details on all insurance they have on you

plenty of people have settlement from welcome ref ppi etc, its just they went through the fos

bit slower but allways pays out

there is the court route

been there and done that

even though i won its not for the faint hearted

have you sent the sar or do you still have it

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No unfortunately i did not see yours, i used a different one. I wish i had known there was a specific one for welcome finance. I take it they dont normally respond to a SAR letter then? do i have to wait 40 days or 40 working days ie mon-fri, before continuing to the next step?

thanks

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  • 2 weeks later...

hi,

I have just recieved my details in reply to my sar request, but it all looks like double dutch to me. I dont know what i am looking for, and i especially do not know what my next step is, regarding claiming my money back. Please can anyone help me, i really am lost.

thank you

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Hi again,

i have been looking through the paperwork they have sent me through again, and the credit agreement shows that i have insurance added on for £738.31, being made up from 1st customer lifecare 24 of £195, plus ppi of £543. 31. can i claim all of the money back from them or just the ppi payment. I have also noticed that these were already filled in on the form when they sent it to me to sign and return, i did not have a choice in having them.

I have been looking on some other threads for welcome finance, but i have not seen what my next step is, can someone help me please i would like to see if i can get this done in time for xmas.

thank you

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sorry to put so many posts without any reply from anyone, but can anyone explain to me what capitalisation charges are for, as i have had a charge every month before my payment ranging from £10 upto £108.27. can i reclaim these charges aswell, because i do not know what these are for?

thanks again

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Capitalisation is Welcomes fancy term for Interest, so no, you wont be able to claim that back. Do you have any other penalty fees on there though? ("settlement penalty interest", "ad hoc fee", "fee assessment", "telephone charge" etc etc etc)

 

Have a read of this too, itll give you a kick start for your PPI claim which definitely sounds mis-sold if you had no choice whether you had it or not:

 

PPI Reclaiming Guide: £1,000s for missold loan insurance...

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hi,

thanks for your reply, if it is interest then why does it vary so much, and come more than once a month sometimes? is that legal? plus yes i do have other charges aswell, such as adhoc fee? etc.... can i claim these back at the same time? I will have a look at your link to look for the next step.

thanks

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