Keep up the Good work!

[Major Player]

Hi all, thought that I had seen a few people feeling a little wary about the action that they have or are taken, wanted to point you in the direction of the FOS stats:

 

Complaints data

 

You can see on the resolved cases from the six months to December, overall an incredible 92% of cases referred to the FOS after Welcome rejected the complaint were found in favour of the customer and an even more impressive 96% of PPI misselling cases where found in favour of the customer when Welcome had rejected the claim in the first place.

 

The work of everybody on here makes things like this happen, it goes to show that through combined knowledge and experience a difference can be made. I would also say that this means for those who Welcome are giving the run around to, remember, they might think that they are getting a small measure of success in batting your complaints around, however don't lose heart as the FOS can see who is actually in the right!

[ozzywizard]

Exactly right Major . . . most of us on here do not want a free ride or a loan that we do not expect to pay back, we jst want to be treated fairly in a moral and professional sense. There are laws to ensure this happens and we will defend ourselves and not only receive justice but allow the path for others.

[mark1arby]

Hi all, thought that I had seen a few people feeling a little wary about the action that they have or are taken, wanted to point you in the direction of the FOS stats:

 

Complaints data

 

You can see on the resolved cases from the six months to December, overall an incredible 92% of cases referred to the FOS after Welcome rejected the complaint were found in favour of the customer and an even more impressive 96% of PPI misselling cases where found in favour of the customer when Welcome had rejected the claim in the first place.

 

The work of everybody on here makes things like this happen, it goes to show that through combined knowledge and experience a difference can be made. I would also say that this means for those who Welcome are giving the run around to, remember, they might think that they are getting a small measure of success in batting your complaints around, however don't lose heart as the FOS can see who is actually in the right!

 

I Did say this Feller would be an ASSET!!! Brilliant Stuff Major. Thank You Very Much. Your Input is Really Invaluable to ALL here on the Welscum Forum!!!

 

Cheers, MARK

[beyondhope]

Exactly right Major . . . most of us on here do not want a free ride or a loan that we do not expect to pay back, we jst want to be treated fairly in a moral and professional sense. There are laws to ensure this happens and we will defend ourselves and not only receive justice but allow the path for others.

 

 

I agree with this, the majority of us (the ones here doing research to find out rights etc) dont want to wriggle out of a debt we just want companies to stick to the rules which are there for everyones protection funnily enough including their own

[ozzywizard]

Exactly, take myself for example I have been paying them for 6 years since 2004 and always played their game and spoke on phone and made payments, never questioned them and only now out of frustration and gaining of knowledge that I question their motives and professsionalism and am first ashamed I have allowed myself to be treated this way and now willing to challenge their previous and current actions.

[beyondhope]

Its not for you to be ashamed its for them to be ashamed they are the ones taking advantage of people that at the time of using their company have very little choice! And with hindsight and knowledge its easy now to see how we have been treated but not so easy at the time. I think CAG is fab because it makes you realise that you arent alone in all of this!

[mark1arby]

Its not for you to be ashamed its for them to be ashamed they are the ones taking advantage of people that at the time of using their company have very little choice! And with hindsight and knowledge its easy now to see how we have been treated but not so easy at the time. I think CAG is fab because it makes you realise that you arent alone in all of this!

 

And that MY Friends is the Exact Reason WE Will ALL WIN against these ****!!!

 

WE Found Out WE were being Conned, Diddled, De- Frauded and Theft IS Being Perpetrated Against US. When ALL WE Need is Fairness And Understanding in Our Dealings With this ****.

 

The Strength of Feeling Has Been Unleashed. The Difference NOW is The Knowledge is There, Along With STRENGTH in Numbers.

 

We Played The Game Long Enough. Feeling Indebted to Them because There Was No One Else, and they HELPED Us Out of a Stickey Patch, or something like that.

 

Now WE Have Found that They Make up Their Own Rules has they Go Along!!!

 

That IS SHAME ON THEM, And SHAME on A Government that Allows Them to Operate in This Fashion.

 

Cheers, MARK

[jamesf104]

I welcome what has been said re: FOS, however, our agreement dated 2003 cannot be handled by FOS as WF says at that time they were not regulated and FOS agreed and refused help. Any ideas on this because for us it seems the FOS route is barred.

[Major Player]

The Financial Ombudsman Service is able to deal with complaints about sales that happened before 14 January 2005 as long as the policy was sold by a high street bank or the firm was a member of the General Insurance Standards Council (GISC), I'm pretty sure that Welcome were not.

 

If the firm you dealt with wasn't a major bank or a GISC member, but was a member of the Finance & Leasing Association (FLA), then the FLA may have to deal with your complaint, rather than the Financial Ombudsman Service, I think Welcome were a member.

 

Welcome must tell you which body your complaint can be referred to in their rejection letter, if they haven't then this alone is cause for complaint.

[jamesf104]

Hi Major Player, the agreement was a welcome agreement dated 2003. In 2008 we exausted our complaint with welcome and sent to the FOS who took one year to say that they could not help as Welcome had refused them any information on the grounds that at that time they were not regulated by FSA. This only came by letter to us from FOS and not welcome. The OFT refused help also, it seems that no authority is able to help people with these old agreements.

[beyondhope]

FLA are the old boys club though arent they?? or is that some other set of letters lol

[dawnytrish]

Its not for you to be ashamed its for them to be ashamed they are the ones taking advantage of people that at the time of using their company have very little choice! And with hindsight and knowledge its easy now to see how we have been treated but not so easy at the time. I think CAG is fab because it makes you realise that you arent alone in all of this!

 

Couldn't have said it better myself....people have been taken advantage of for far too long.

Thanks to everyone involved with CAG.

Somedays I feel I am leading my daughter's boyfriend down a wrong road by urging him to fight Welcome but when I come onto the forum I realise if we all keep fighting, hopefully things will change for the better.

 

Thanks....you are all wonderful

Dawnx