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    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
    • Npower and Scottish Power and others have always had regulations that require them to treat customers fairly - the threads here and my experiences demonstrate that those regs are little more than useless.   Even Octopus recently spent month after month saying they needed to increase my monthly payments despite my credit balance slowly going up TWICE I had to reset it online back to prior payment as they unilaterally increased it unilaterally. Raised formal complaint and they than said i was paying too much and reduced the payment, again without my agreement, although that time at least they told me they were doing it.   .. and Octopus has been one of the better ones.    
    • Thank you. You left all your personal details showing on the invoice, but I've removed them. From Googling it seems the free parking is limited to one hour.  You stayed two.  There is no point appealing, you did overstay.  That's apart from the fact the private parking companies are just interested in £££££ and never accept appeals. We have other Iceland cases, Iceland as a company refuse to have these invoices cancelled. So it's up to you. Pay £51 and the matter goes away. Or refuse to pay.  Horizon very rarely do court.  We would support you all the way. 
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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misssteel
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Good stuff misssteel,

 

Now Welcome have 8 weeks to investigate and come back to you with their response. If they do not respond, or deny your claim then it is off to the FOS and let them investigate on your behalf.

 

In the meantime I recommend you continue reading other posts and the stickys on the ppi homepage. There is some really useful information there.

 

DJ

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I know I've been looking through them all afternoon- interesting stuff!

been recommending this site to others, I just came across here by accident, my initial thread wasnt even about PPI but I'm so glad I did stumble upon it!

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  • 2 weeks later...

Hi Guys

Had this response today (i've had to type it in as no access to a scanner)

 

Thank you for your letter received on the 12th August 2010.

I'm sorry that you have had to make a complaint.At WFS we take complaints very seriously and will do our best to solve any problems as quickly as possible.

My understanding of your complaint is that you do not consider the payment protection insurance (PPI) policy to have been a suitable or affordable product for your needs at the time the original sale was made. If i have misunderstood the complaint or any aspects of it, please contact me using the contact details in this letter.

In order to investigate your complaint as promptly and efficiently as possible please complete the attached questionnaire and return to the address at the top of this letter as soon as possible.

Whilst your complaint is under investigation please ensure you maintain contractual payments on your agreement.

Please be aware that altough I will make every effort to respond as quickly as possible, it may take me up to 8 weeks to properly investigate and respond to your complaint. In the meantime, if you need to contact me about your complaint please quote our reference at the top of this letter.

In the meantime I enclose a copy of our complaints handling procedures.

Yours sincerly

xxxxxxx

 

Compaints Department

Enclosure- Complaints Handling Procedures questionnaire

 

 

They've included the PPI questionnaire from the Financial Ombudsman Service March 2010

 

 

Is this normal procedure for welcome? is there anything they will try to trip me up with by filling in this questionnaire?

Thanks M x

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There has been some concern about the way the PPi questions are worded by WFS this is a template provided by ozzywizard and has been used successfully

 

1) Why do you now believe PPI policy is now not suitable for your needs.

 

Please refer to page one question one as not enough space to write here.

 

2) at the time you bought the ppi were you in paid employment.

 

Please refer to question one page one as not relevent to my complaint.

 

3) has the nature of your employment changed since you bought the ppi.

 

Please refer to question one page one as not relevent to my complaint.

 

4) was your job secure, was their risk of losing your job.

 

Please refer to question one page one as not relevent to my complaint.

 

5) when you bought the policy were you in good health.

 

Please refer to question one page one as not relevent to my complaint.

 

6) how long would your income of lasted if you had lost your job.

 

Please refer to question one page one as not relevent to my complaint.

 

7) how long would your income of have continued if you had been unable to work due to accident or sickness.

 

Please refer to question one page one as not relevent to my complaint.

 

8 ) at the time you bought the police did you have anyone who was financially dependant on you.

 

Please refer to question one page one as not relevent to my complaint.

 

9) at the time you bought the policy did you have any other policy that protected your income in event of sickness or accident.

 

Please refer to question one page one as not relevent to my complaint.

 

10) any other comments to support your claim.

 

Please see page one question ten as not enough space to write here.

 

......................... ......................... ......................... .....

 

seperate letter.

 

 

Response to question one.

I was was not informed of the insurance policy and did not agree to the policy . I have subsequently discovered that all insurances should be optional; I was NEVER given any option to take the loan without the insurances and was never provided with a comparative quote for the loans without the insurance premiums attached. I also

 

 

Response to question ten.

 

 

Quite simply we were never given the option of taking out the loan with no insurances attached, the insurances themselves were not explained and therefore were not sold following an accurate analysis of whether or not we required said cover and therefore were missold.

Therefore questions 2-9 on your questionnaire are not applicable to be answered, there was no investigation at the time of the loans as to these circumstances and the suitability of the cover and looking back in hindsight on these would only cloud current matters.

Put simply it is irrelevant as to whether or not policies may have benefited me as the option to take these out was never presented to me and I believe was forced on me and would like this resolving immediately.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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and if they do not respond by 8 weeks then off to the FOS.

don't faff around.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just read through the questionnaire ive been sent again.... it is slightly different to the questions given above but i think it i can adjust my answers to whats given by beyondhope! ....is there anything i shouldnt put down in my answers???

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no nothing

 

TBH: give me my money back

 

give me my money bacak

 

etc

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just read through the questionnaire ive been sent again.... it is slightly different to the questions given above but i think it i can adjust my answers to whats given by beyondhope! ....is there anything i shouldnt put down in my answers???

 

 

its only an example amend it as you see fit :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 4 weeks later...

Hey

Had a letter back this morning reminding me that they havent received my completed questionnaire!!!!!!!

I know you all advise not to speak to them direct and do everything in writing...but I did actually ring them with my recorded delivery number and they back tracked and said they had received my questionnaire after all- they've got till the 8th Oct to respond now!!!!

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  • 3 weeks later...

be fleeced of £2k.....

never accept the first offer

you dealing with one of our biggest fleecers here who wil try any trick to get/keep money.

 

you could accept as partial payment and give them 14 days for the rest

 

however, a better idea might be to post how they got this figure so's we can poke hole it in.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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be fleeced of £2k.....

never accept the first offer

you dealing with one of our biggest fleecers here who wil try any trick to get/keep money.

 

you could accept as partial payment and give them 14 days for the rest

 

however, a better idea might be to post how they got this figure so's we can poke hole it in.

 

dx

 

Yeah I thought so!!!!

Will get it posted up on Monday so you can all have a look!!!!

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  • 2 weeks later...
Hi Guys

sorry for the delay - here are the letters

 

they've been up since 10am!

i've deleted them as you'ed left all the account numbers and complaint numbers on!

 

hope WF didn't see it!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ping dj, makes sure he is aware

he might find the whole in their calc so's you can point itout to welcome

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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