welcome nightmare

[dx100uk]

DX waves to the guests

[tamthetaper]

once i,ve signed the acceptance form they will pay off the loan then i,m welcome free

 

i,m stiill trying to get the signed agreement for the account

i have posted many times before,

i know this could be challenged i think i can still do this as it does not involve the ppi claim .

 

.as for ppi 1999-2003 in 2003 i was made unemployed

phoned welcome to ask if i could use the insurance on the account

i received a letter from them which i still have saying that it could not be used it didnt fit my needs(there words)

so i still had to pay it anyway .

 

in 2005 i became self-employed so i know that i didnt need it do think this would be enough to get them to reconsider my complained

[tamthetaper]

have posted new threat after reading letter today arrears have went up even after this went to court £1262 --now £1856

[alpwing]

DX waves to the guests

 

That would be me. Signed in now

[dx100uk]

they are not the one to decide if you get it or not.

 

pers i'd give them 8 weeks from you first letter then if you get no joy

 

off to the FOS

 

it would also be nice to be able to check welcomes calcs.....

 

did they give you 8% stat too on what they've already refunded?

 

dx

[tamthetaper]

 

just off the phone to welcome again there balance is £6557-77 yesterdays letter with this attachments saying the want £7151-44 sorry for posting new post

[tamthetaper]

the refusal letter

[dx100uk]

rollocks

 

ppi was sold to you by welcome. you paid welcome

 

you get it back from welcome

 

dx

[tamthetaper]

they are paying out on the loans from 2004 onwards

that is 4 loans £7183.83

they say to clear the outstanding loan im due them £7151.74

 

phoned them today to ask for balance

they have i was told £6557.77

when i asked how i had to pay more he said its what the computer came up with .

 

then asked about arrears rising by £500 and interest was added

he got quite abrupt i will sign it just to get shot of them ..

. i want to get the default off my house .

 

once thats done im going for disputing the account thats getting payed off

the fact it was signed in the house ,

wrong figures,

ad hoc default fees and anything else i can get out off them

before they fold regarting 1999-2003 do you think i still have a case

[tamthetaper]

sorry dx just looked at the refusal letter the were the insurance provider and broker now its time for an nother letter to them there starting to **** me off any advice on a letter to send to them tam

[tamthetaper]

i know on paper it looks a good offer

but for the last couple o hours,days,, weeks,

sat and looked at other quires on the welcome forum

 

dx you,ve always gave good advice

what would happen if i refuse this offer

many things dont add up

i want to get rid of welcome

but dont want them getting more than they deserve

 

there,s so many wrongs but i would like to be sure before i sign the acceptation form

as always thanks tam

 

if i signed the form to accept the ppi refund which i think is ok

can i dispute the account and the figures that come with it

as posted many times before the balance im due them seems wrong again cheers tam

Edited January 14, 2011 by tamthetaper

[dx100uk]

we need to attract postggj or dj1971 to check welcomes cals.

 

then go from there

 

as for you only getting £32 to your pocket...what are the figures on any DN's in arrears theyhave sent you

 

they CANNOT just take the money as they feel fit to clear any outstanding balance, even on the one thats been to court.

 

pers i would NOT accept the offer at this stage, if that is what they are going to do

 

ok if YOU want to do that, its another matter, but i certainly WOUNLD NOT accept the payment before we get it checked.

 

now the one that went to court...

 

its got lots wrong with it, but court any the legal arguements are not my game

 

however, on your other thread, postggj intimates there are serious issues there, post is never wrong.

 

dx

[dadofholly]

Dont forget they will have added loads of charges onto the account.

[tamthetaper]

 

received this today

more confusion

the original loan they say is the one that i have now been taken to court for.

. the one that they say was rewritten is the one that was payed for in 2008

still dont have the rewriitten aggrement that i signed in may 2008 for the loan that i am paying now

they also say i am exempt from paying intrerest and charges which i have paperwork in statements to prove i have been paying interest

as posted before would love post ggj to take a look tam

[tamthetaper]

Edited January 15, 2011 by tamthetaper

[tamthetaper]

will put it right way up

[tamthetaper]

[tamthetaper]

regarding arrears

may 09 £1262-14

taken to court july 09

nov09 arrears £1750-58

may 10 £1789-02

nov 10 £1802-46

jan 11 £1856-30

 

if i refuse their ppi offer what would be my next move tam

[postggj]

gday all

 

been asked to drop in

 

as asked, has the decree ben settled

 

its time to go to war

 

the ppi refund o the four accounts, did you accept it as a full and final or did welcome just credit it to your account

 

what inteest was used to credit the rebate, 8 % compound or contractual (the apr on the agreements)

do you have all your agreements, that includes pre 2003, any old statements

[dx100uk]

post 106 + post 31

 

has not accepted the refund

 

the Q here is really abou the current loan which has got the decree but no paperwork

[the one just signed by them in their house - details were filled in afterwards - that CCA does not exist but they got a decree!!]

 

dx

[dx100uk]

the decree has not been settled

 

dx

[postggj]

Ime away on my employment law course this week but ill have use of the college computers in the evening and we have a few people comming down from scotland as this is not a ccj but a decree.

 

Ime brushing up on scottish law proceedure but it seems we need to get this set aside first (unsure on time limits) at the moment

 

IS THIS LOAN A SECURED LOAN???

[dx100uk]

i dont think it is

 

can you poss check the refund sheet they have sent for the PPI on some of the previous loans is correct?

 

up a few posts.

 

dx

[dx100uk]

page 106 post!

 

dx

[postggj]

WELCOMES OLD TRICKS AGAIN

 

FIGURES ON THE REBATE ARE WELL OUT

 

8% , THEY CAN SOD OFF, MORE LIKE CONTRACTUAL INTEREST, (FOR EACH ONE OF THESE LOANS DO YOU HAVE A DOCUMENT CALLED STATEMENT OF PRICE)

 

I NEED TO SEE STATEMENTS FOR EACH ONE OF THESE LOANS (OPENING AND CLOSING BALANCE)

 

DO YOU HAVE ANY POLICY DOCS ON THE INSURANCE (DONT START ME ON NORWICH DX )

 

AS STATED, THE FIRST THING IS GETTING THIS SET ASIDE AND GETTING THIS HEFTY WINDFALL PAID BACK