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    • Can you ask your GP to get a second opinion on the NHS?  (I ought to know because I'm a retired NHS manager, but worked in mental health where x-rays didn't really feature very much(!).)   Your GP may be reluctant for various reasons but you've got nothing to lose by asking.  Might be difficult if there's only one consultant in that specialty locally.   If that is a non-starter, you could ask your GP for a private referral if any of the relevant specialists run private clinics.  Your son'll get seen quicker and an initial private consultation shouldn't cost more than about a couple of hundred quid.  Then take it from there.   (Emphasise to your GP what your real concerns are and why you have them - even if it's just "I looked it up on the internet and it looks like this which can lead to serious complications.  What do you think?  I'm really worried...")   EDIT:  Just looked on my local NHS Clinical Commissioning Group website and searched for "second opinion" but nothing comes up...  I thought you were entitled to one - you'll have to ask your GP.  Or look on your own CCG site.  Oh - despite being a NHS manager I have paid to see a consultant privately.  £150 well spent - if you can afford it... which I appreciate not everyone can.
    • dont think they are even allowed to offer settlement by instalments, they are not creditors.   read the letter carefully and understand what it doesn't actually say....like the word WILL anywhere.   they,  a DCA, can't recommend anything and their client most certainly wouldn't have disclosed anything to a powerless DCA about what their solicitors might or might not have said to them. and ofcourse a solicitor is in no position whatsoever to suggest to their client they get back to the DCA and tell the DCA to tell you their client will accept instalments!   the letter is a load of ole BS that is concocted by the dca without any input or knowledge of their client nor their clients solicitor...   dx      
    • The paediatric orthopaedic consultant at the fracture clinic told us today that he believes it is just a sprain behind the knee. I'm concerned my GP will say something along the lines of, 'you have seen a consultant, he says it will heal in 2 to 3 weeks, you don't know more than him!', or something like that. It's just that I believe I can clearly see a fracture. And as there was no fall or hard knock, only a very tightly streched knee bending at an angle behind, with a load. I figured that the temdon must have pulled some bone up. And thats the injury I found online. I totally take on board what you are saying. You are correct. I guess I'll see what my GP says tomorrow, hopefully she allows me to email the images, if she doesent have access to them already. Thanks again
    • The US will maintain import duties on $7.5bn worth of items including French cheese and single malt whiskies. View the full article
    • Make a appointment ASAP to see child GP and let them sort it out and not Dr Google.   You may need to see a paediatric orthopaedic consultant for advice, a GP can refer the child if necessary.
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Hi all, I was asked by a family member to have a look at a loan agreement they had with Welcome Finance which had PPI included. They were told the loan was basically dependant on taking PPI so agreed on taking it.

I have read a few threads regarding claiming so after reading the agreement I noticed there was a part saying "Amount required to clear existing loan balance" and this was some £800 plus but they didn't have that agreement so i sent a CCA request and now have the two agreements showing all figures.

I now need to know how to calculate what would be expected should their claim be successfull and to use in the letter I send to them. Are the calculations done using their APR charged on the amount as they were single premium policies or is there a calculator for this?


Many thanks in advance.

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Thx ver much donbracho that has helped me understand how the calculations are done, have another 2 questions if anyone can help:


On both agreements they tell you what your monthly payments are but dont break it down so im unsure how much of that monthly payment actually goes to PPI. Would how much you pay towards the PPI per month be shown in a SAR or can it be worked out via the agreement?


The first loan stopped (1 year into a 2 year agreement, so 50% used) due to being consolidated into the 2nd loan, at this point they (WF) returned some of the PPI premium but only 20% and took that off the balance so basically lost around 30% of what they paid, I know you dont get a proportionate rebate based on whats used but have i read correctly that as the 2 loans were stopped and started on the same day then there was no need to cancel the existing PPI which caused a poor rebate that this could have been topped up instead of cancelled then renewed? Just means they have benefitted from cancelling the first PPI due to poor rebate.



Thx in advance

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Ok having done my calculations I reckon the sum due comes to just under 6k, this includes the following:


Total PPI paid for Policy 1 & 2


Interest paid on these during agreements


8% stat int on policy 1 & 2 totals


8% stat interest on interest paid during agreements for each month paid.



Hope thats correct, now need to put together the letter.

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Welcome Finance are now basically rolling over and paying out. I just completed a claim for a friend.


8 weeks start to finish, I didnt even bother with the SAR. I just included the account numbers and they did the rest. They will send you a standard questionnaire. This is the EXACT same one on the FOS website. Word for word. To save some time just download and copy that one.


I included the PPI was not fit for purpose and was not explained properly and was mis-lead to believe the loan was subject of accepting PPI. Dont go into to much detail.


Not even a single call from Welcome. Rolled over and deposited directly to his account. Waited exactly 7 weeks and 4 days. 3 days short of the 8 week limit.



I need to change my avatar..But cant find a good replacement.

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Thx Stew will keep it short and sweet and download the questionnaire.

They are paying £290 pm and only have 9 payments left on a 48 month payment plan, more than double what they actually got due to this PPI and its interest, never missed a payment but im now wondering if they should put the account in dispute for now until they find out whats happening.

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Hi again, you were right Stew they got the questionnaire as expected and ive started filling it in for them, is there anything I should be aware of at this stage?

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Hi Bigmac,


Are you filling out the questionaire they sent you or the one loaded off the FOS website? They are one and the same.


Just keep it very light and fluffy, no major details. Just include the account number if you have it. It should be included on the paperwork they have sent.


I used the reasons, not fit for purpose (if the loan is on a longer term than the insurance, 10yr loan - 5yr PPI)

Mis-leading information from the agent. Led to believe the PPI was needed to secure the loan.

Were not informed of your cancellation rights.

Did not receieve a copy of the demands and needs statement or the terms and conditions of the PPI component.


This should be more than enough.


I got my mine back and did this one for a friend. Keep it simple and Welcome will pay back everything including the 8% interest.


You will get a letter with a breakdown of the refund, sign it and send it back registered (the acceptance)

You will get more paperwork a few days later with the new totals as if PPI was never added (they call this a re-book). You have to send this back before they will refund via Bacs into your chosen account.


Make sure everything is registered and signed for. Welcome have this strange habbit of Loosing paperwork.





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Thx chiswicklass i have sent it back, i said the person had previous medical condition and that if a claim was made which related to that illness it would fail, also he now has cancer, been off work for quite some time but does get full pay, therefore showing there was never a need for the ppi, that and he was told the loan came with ppi and had already been approved. he did tell them he got full pay and that PPI wasnt needed but was told it was part of the loan. FINGERS CROSSED

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Nice to see you big mac- hope you are well!!!


Best wishes, Kenny

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.


Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-




Register with CAG today, its free, its a great community:







Thankyou Kennythecelt:)

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Hi Kenny, long time no hear m8 had a crap year and be glad to see the back of it hope urs has been better lol.


Just to update this the family member involved has been offered a full refund and returned the document to them. Said would be paid within 30 days mind you, 34 and counting so far.


Thx for all the friendly advice given.

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Still no payment despite sending them a reminder to sett le, when you calll them your told by a lovely automated service you are on hold for anything between 40 and 75 minutes, i done this once then got cut off after half an hour, grrrrrrrrr.

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