Welcome Finance : sar recieved what can i recalaim

[tommydj]

As above recieved sar from all accounts over the last few years can somebody shed light on what the below means and if i can reclaim them will upload statements as soon as i find power supply for scanner

Thanks in advance Tommy

 

conversion/default fee £1/£5/£20 (everytime one of these is on there is capitalisation for the same value under it

 

default sum interest fees 0.14

 

telephone/call out calls etc

 

acceptance fee £75

 

unpaid direct debit £25

 

reject cr/dr fee £5 (also capitalisation below for £5)

 

30th jan 09 - post loan questionaire fee £23 (again capitalisation below £23

30th jan 09 - as above but for £1.24

Edited January 27, 2011 by tommydj

[sick of welcomw]

I sent mine off to [email protected] got a lady looking at mine for a refund, i challanged them to defend their charges which of course they couldnt, i found out that if there ar e2 charges 1 after another on the same day they only debit the account with 1 charge not 2

i made excel sheets detailing all the charges i want refunding and it looks like im getting it back so well worth trying

good luck xxx

[tommydj]

Hi sick of welcomw,

on one of your other posts you said welcome made you an offer after you emailed your spreadsheet off to them, Was the offer considerably lower than what you asked for.. Thanks Tommy

[sick of welcomw]

no it wasnt i asked for i think just over 6k and they offered me 5700 which i accepted

[gullible1]

no it wasnt i asked for i think just over 6k and they offered me 5700 which i accepted

Hiya sick of welcomw

 

the offer that you mention you are getting back was that just off charges or does that include mis sold ppi?

 

I am sorting out my charges now and going to do a spreadsheet like you mention and email this weekend I am also going to ask for the money back for lifecare that i have just seen going through my sar paperwork that they added on 2 of my loans that i knew nothing about.

 

Should i also add this on the same spreadsheet/email or keep that as a seperate issue do u think?

 

thanks in advance for your input and advice

[tommydj]

Hi gullible1 Good point,

Do welscum add interest on all charges telephone/call out etc

[gullible1]

Hi gullible1 Good point,

Do welscum add interest on all charges telephone/call out etc

 

i have never of that but thinking on they must do as they add the fee onto the overall balance which accumulates interest.

 

if they do that is totally wrong but i bet they do anything to line their pockets further. Hopefully one of the experts will advise

[gullible1]

Just checking through statements now to do spreadsheet for claiming back fees etc and was wondering, can we claim back mortgage indemnity fees?

[sick of welcomw]

my 5700 was all unfair charges telephone calls letters etc i have already got missold ppi back to the tune of 3500 at this rate welscum will have paid off my account for me

[tommydj]

@sick of welcomw,

When you asked for the 8% interest did you add it from when they started the charge or did you just add all the charges up and then add 8% on that.

Thanks in advance Tommy

[sick of welcomw]

from the start i added 8% each year added the interest charge to the capital then added the following years charges and put 8% again and so forth until the end

[fitz125]

I am at my witts end with these excel spreadsheets, don't have a clue what i'm doing. there's so much paperwork, when ppi started and settling loans, acceptance fees and charges. really don't have a clue where to begin....... feel like going to one of those companies advertised on the telly to sort it all out for me. It's really getting me down.

[sick of welcomw]

get the statements together put them in date order then just list all the charges and discrepencies you can find thats all i did and it worked with these robbing bastards

[ncf355]

SoW -

 

I cant believe what I'm reading here - you had £5.7k purely in charges??!!!

 

 

What did the charges consist of?

[sick of welcomw]

telephone calls letters and interest when it shouldnt of been added

[gullible1]

I sent mine off to [email protected] got a lady looking at mine for a refund, i challanged them to defend their charges which of course they couldnt, i found out that if there ar e2 charges 1 after another on the same day they only debit the account with 1 charge not 2

i made excel sheets detailing all the charges i want refunding and it looks like im getting it back so well worth trying

good luck xxx

 

Hi SOW

 

Just a quick question, I sent off the first email of 2 with ref to my complaint on many issues I have found since receiving the SAR and the handling of my accounts with welcome and after a while finally got an email back to say that they have received email and today I have received a questionnaire to complete about my complaint.

 

Did you receive a questionnaire to fill in after you sent your email, or did you just get an offer?

 

Dont know what they want me to put on a questionnaire that I did not hghlight in my email

 

Thanx

[dx100uk]

just for those that read this thread

 

the calculations are erong and you cant reclaim the a cceptance fee nor interest

 

thread closed

 

dx