welcome finance secured loan but dont think it was on the deeds

[postggj]

It depends how the MIF has been incorporated into the loan repayments

 

Can you scan and upload the agreement, Google photo bucket

 

leave in the figures but remove personal details, account number etc

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[dx100uk]

follow the guide

 

attach a PDF

 

dx

[omghelp]

getting rather frustrated but think now after 3 hours trying I may have done it.

Edited June 15, 2013 by omghelp

[postggj]

This is naughty

 

dx100 is very good at helping people post documents on the forum, he has been doing it now for a number of years

 

I REALISE IT CAN BE FRUSTRATING AT TIMES, BUT PLEASE KEEP ON TRYING

[omghelp]

frustrating is an under statement Ive felt like throwing pc out the window, I just about know how to switch the pc on let alone do pdf's and the likes.

 

thanks for your help dx i think ive sorted it now and uploaded pdf's as you required please let me know if it has been done correctly

[dx100uk]

yea done once its then easy

 

well done

 

dx

[omghelp]

thanks again dx,i'll await opinions now on the agreement

[omghelp]

hi dx or postggj have you managed to look at the agreement?, what do you think? awaiting reply thanks

[postggj]

Lets get to the bottom of this shall we

 

Do you have any policy documents etc on the payment protection insurance?

 

Do you have a statement of price?

[omghelp]

Lets get to the bottom of this shall we

 

Do you have any policy documents etc on the payment protection insurance?

 

Do you have a statement of price?

 

I do have the policy document for the ppi, ppi I know I can reclaim but do not want to do this until disputes I have on the account are rectified, as I say they have capitalization and all kinds of charges that need to be looked into before I reclaim ppi.

 

I am not sure what you mean by statement of price im afraid.

how do I stand with the MIF on this agreement?

[postggj]

When i ask questions, i do it for a reason so please do not try and jump to conclusions.

 

I have asked for the policy document as this loan is over 15 years, i need to confirm how long the ppi cover will have lasted

 

The statement of price document will show that

 

The true cost off these insurance products have been incorporated into the loan over the full term of 15 years, that includes the MIF element

 

Ask yourself, why has MIF been charged when this is nothing more than a secured loan. Mif was charged on secured loans above £25000 on non regulated agreements. Yours is a regulated agreement under the CCA 1974, not a mortgage

Edited June 15, 2013 by postggj

[omghelp]

hi postggj, I have looked at the policy schedule and the period of insuarnce is for 60 months

[postggj]

Who is the policy administered by, is it direct group??

 

DO YOU HAVE THE POLICY DOCUMENT???

 

CAN YOU POST UP THE STATEMENT OF PRICE DOCUMENT

 

It is a document that states how much this insurance crap will cost you over the term of the agreement

Edited June 15, 2013 by postggj

[omghelp]

Hi Postggj,

 

I have the policy document for the insurance and it is adminstered by direct group limited

 

I do not have the statement of price document with my original paperwork of which I had all of it , neither was it given to me when I did a sar request

 

the only form with figures on is the agreement that has been posted up in post 29

[postggj]

When did you receive the sar back

[postggj]

I have been looking at a case Griffiths v Welcome

 

The judgement stated that the MIF was not an insurance, but a charge for credit, i will post up the case for you to look at if you wish

 

Our angle of attack will now be on how those fees are incorporated into the agreement as they are a charge for credit

Edited June 16, 2013 by postggj

[omghelp]

I have been looking at a case Griffiths v Welcome

 

The judgement stated that the MIF was not an insurance, but a charge for credit, i will post up the case for you to look if you wish

 

Our angle of attack will now be on how those fees are incorporated into the agreement as they are a charge for credit

 

I receivced the sar january this year, any help is gratefully appreciated

[postggj]

You are going to have to send another SAR to welcome

 

When you send the SAR you will need to stipulate that you require these document

 

Statement of price for the insurance products

Statement of means for the insurance products

Insurance underwriting sheet (we can ask for that, they may send it out in error)

 

The statement of price is what we really need. That document will show the true cost of this insurance crap and fees incorporated over the life of the agreement

 

Without those two articles we have reached a stage of inertia to continue, we need a cause of complaint and be able to back up the reason for that complaint

[omghelp]

Hi is there a template available for the sar including the points that need to be covered?, do I have to pay another £10 for this info?

 

are they required by law to provide these 2 statements? as welcome are rather slippery and do not like handing out info

 

thanks for your help

[postggj]

You should have got them the first time you made the SAR request, that is why i have made a point of you specifically asking for those documents this time as well as all the other data

 

I am afraid it will cost another £10 due to the length of time passed since your last request without challenging

 

They are worth there weight in gold and ask yourself, why did the omit including them in your last request

Edited June 16, 2013 by postggj

[omghelp]

So are they legally obliged to give me those 2 sheets i require? will send off sar tommorow and post details up as soon as I hear any news, they took a full 40 days to provide info last time so I assume they will drag it out to the bitter end this time also.

[omghelp]

Recived £10 fee back from welcome stating fee allready paid with no additional info. Postggj are they legally obliged to send me the 3 items listed. Where do I stand now as i see them just ignoring the points

[postggj]

Statement of Means and Price yes, Underwriting sheet NO, but always ask

 

Lets start playing their game now shall we

 

Send them another letter by recorded delivery

 

As them to confirm that they either do, or do not have copies of those documents. Tell them you are not making this request under the DPA 1998

 

BUT A REQUEST UNDER:

 

THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008

 

If they do not have these documents then it is confirmed mis-selling of insurance crap, and charges for credit incorporated into the agreement will be called into question

 

You now have to ask yourself

 

What are Welcome trying to hide???

Edited June 22, 2013 by postggj

[omghelp]

Hi Postggj thanks for reply is their by anychance a template letter. Do i need to stipulate a time frame for them to supply this info?