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**Welcome/PPI/Voluntary termination**


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***Updates***

 

Ok so FOS questionnaire filled in and sent back, with recent copies of letters received from wfs.

 

Yet more telephone harassment and doorstep visits even though requested only to be contacted by letter.....this is causing great upset and undue stress to my family......should I send yet another harassment letter???

 

A "without prejudice" letter received telling me the account has been terminated and the full balance is now payable blah blah blah....

 

Not sure I have any confidence in the FOS now after the latest letter saying....

 

"further to our recent offer letter in settlement of your complaint.......we do not have appear to have received your response to this offer" :eek:

 

What settlement letter ???? I have only just sent you my questionnaire back.......

 

Also the exact same letter in the envelope, addressed to someone else..........WTF.....

 

What to do, what to do?????

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  • 2 weeks later...
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Letter back from the FOS....

 

Following our involvement WFS has now agreed to make an offer to settle your complaint.....WFS will be writing to you to explain the precise terms of its approach.....it has told us it will be based on the general approach FOS takes when we decide that a consumer has been mis-sold a policy.........If you would like to accept the offer please sign and return......

 

In the mean time WFS have sent another DN.

 

What happens now????

Edited by charger1
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  • 4 weeks later...

Ok nothing signed.

 

No settlement letter from wfs, instead they have decided to send a default sums letter, a dca letter arrives the same day to recover the outstanding amount!

A letter back to the dca of course...in the next day or two.

 

Trying to get rid of me wfs before you have to pay back my mis-sold ppi....tut tut tut

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  • 5 weeks later...

Dispute letter with OC sent to the DCA, they have completely ignored the letter and proceeded to send yet another....

 

In the mean time no settlement letter from wfs but they have been so kind as to send me the usual default sums letters and notice of sums in arrears.

 

Not sure what to do next and was hoping someone can help and point me in the right direction! >>>

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  • 1 month later...

update*

 

Mis-sold ppi on hp agreement by wfs in 07, cca and sar sent to wfs, dec 09, asked them to refund ppi.

Sar recieved incomplete, missing insurance information, wfs dragging heels but said the were looking into it.

 

Letters sent to fos, direct debit stopped, fos have come back and said yep mis-sold wait for settlement letter, same day dca letter arrives, to which i have sent back a account in dispute letter to dca.

 

Dca have ignored my letter and carried on sending please pay in full letters, with the last one ending in we are willing to except 50%.

I have not recieved n.o.a for wfs.

 

any ideas for the dca??

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Just thought I would have a rant on this site about this company. My partner and I were repossessed at the beginning of August the mortgage company was Capstone and we also had to get a secured loan from Welcome to make the mortgage a 100% one. This was in 2005. In 2007 we got a top up loan with Welcome on which they misold us PPI. I put a a claim in a company were acting on our behalf. Since March Welcome have denied all knowledge of them misselling us PPI. I now have been told by the company acting on our behalf that they have now accepted that they misold us it the amount was £3,000 but we wont see a penny of it as they have taking it off the sum we owe which is £23,000. I just feel cheated. They mis-sell you the insurance and put you in debt and you still cant get the money Im fuming

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  • 6 months later...

update*

 

PPI refund was made by wfs, (thanks to all who gave help along the way)

Since then all has been quiet on the wfs front, until recently lewis group have now been sending letters, phone calls etc, then received demand in full for outstanding amount from Cohen's.

I want to claim back all charges such as ad hoc and capitalisation fee, letters etc (oh and the small commission fee gave themselves) hoped someone could point me in the right direction to a template letter?

 

Regards

Charger

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