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    • I think that rather than right, you should first of all telephone. However read our customer services guide. Implement the advice there. Then telephone and have a conversation which leads round to the loan and whatever agreement there might have been to repay. Get it recorded. Then write to him and asked him to confirm the telephone conversation. If he confirms it then you are on your way. If he doesn't confirm it or denies it then it becomes even more interesting and I think that you will properly have you more leverage. You say that you believe that you lent the money to the company and that the company has now sold. As long as the company has been sold and not dissolved then the loan to the company is still current and the company debt to you is still current. I think the first senior to do is to get the evidence – and I think you should follow the advice that I have given. The fact that the person has stopped contacting you is extremely troubling. The fact that the company ownership was transferred is even more troubling and so I think that you are dealing with somebody who is trying to be slippery about this – and so your way forward is clearly that you also have to act it in a slippery way. Come back here when you got the evidence and we will help you to the next step
    • Met usually use ANPR and get the timings massively wrong so they will be timed out. they must have used CCTV to watch the vehicle occupants "leave" and this is probably a breach of the GDPR as it wont be one of the specified reasons on their licence to spy on people so will breach protocols 1, 2 , 3 and possibly others in the list of the 8 main protocols of data protection.   It also breached the POFA as the timings are wrong so no keeper liability anyway.   The wording they use refers to the liklihood of the issuing of a NTD and thet never happened so the 56 day limit isnt applicable. My advice? ignore them as they rarely do court because they know they are incompetent
    • sorry, I meant to say UNLESS  so yes my answer reads the wrong way round
    • the terms in the contract will in many cases be unfair and thus you will be entitled to the bonus and there is case law on this. However, it is not a simple matter to resolve as it will have to take into account what the contract says and what the normal practice and expectations are for the bonus scheme. For example, Jhn Lewis pays out to anyone employed there on the relevant date so leave the day before and you lose out becasue it is a partnership and you would no longer be a partner. No schemes that withold bonuses until a certain time of the year MAY have to pay out but if your bonus is for the quarter that your resignation fell in then probably not. If it was for say Oct-Dec then you will ahve fulfilled the requirements of a qualifying period regardless of the contract saying no bonus and would more than likely be successful in a claim to recover such monies. A scheme that has been running for soem time would be part of yoru contract even if there is nothing specific included in your paperwork as it becomes implied as part of the conditions you agreed to when joining to co and staying there.   i know this doesnt give you a definite answer but hopefully makes it a little easier to see how your situation may work out
    • You have a big problem and that is proving the debt. for a debt to be created there must be an agreement that the money will be repaid, how and in what time frame. As far as the law goes you either gifted the money or loaned it in a way where you cant take civil action to recover it because there are no explicit terms. Now the BUSINESS doe owe you £2k and the debt will have passed on to the new owners but you still cant take steps to recover the money other than to ask the new business owners for it. They may deny the debt and you will be impossibly placed to prove it because there is nothing in writing. Proof of money transfer doesnt prove the debt exists nor how it should be repaid even if it did. you will lose a court claim due to the lack of paperwork showing how and when the repayment should take place. Sorry for your predicament but you are where you are
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detayo1

Welcome Finance and PPI Claim

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If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Thank you

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Hello,

To prepare a spreadsheet of claim, I take it I will need to obtain a statement of account from the loan company that shows/showed monthly payments and records. Would you say that the first step is to send a SAR for the statement?

I took out a £3000.00 loan from Welcome Finance in June 2008 and I was pressured into taking their 'lifecare insurance

I remember telling the Welcome Finance officer, I did not need the cover but I was pressurised to believe that the Protection Insurance was compulsory. The officer certainly implied that I would stand more chance of getting the loan if I took Protection cover. I was also never advised about the cost and terms of the insurance nor was I even told I could buy insurance elsewhere to cover the loan.

I read that FSCS are dealing with Welcome Finance PPI claim. They stated they will be contacting all customers that have been missold PPIs. I don't know when this would be and I don't want to lose out.

I also do not know what I can claim. I maintained regular payments for very long but I defaulted due to financial hardship. however, I have since made further payments reducing the balance to £100.00 to be cleared off next month as advised.

Please advice if i have a claim. Where do I start? Do I request for statements? . I have located the Loan Agreement. I could scan and post it for advice.

Thanks a million for your advice

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Hi

 

The FSCS are handling Welcome's PPI stuff...although it is actually Welcome staff who are doing it under their watchful eye.

 

You don't necessarily need the loan statements if you have your current account statements showing the payments you made. If you have no record of payments then yes a SAR would be the thing to do.

 

Have a read of No.1 in my signature. There is a spreadsheet at the end which will help you calculate your claim amount. FSCS are paying out 90% of the full amount I believe

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Thanks a million,

 

Do I just click on the signature icon for access to view the No1 & spreadsheet as advised?

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If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Thank you ims,

 

Very very helpful.

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Thank you ims.

 

I am not sure of what I can claim. I maintained regular payments for very long but I defaulted due to financial hardship.

However, I have since made further payments by debit card and redued the balance to £100.00 to be cleared off next month as advised.

Can I make a claim for the payment I made with debit card after defaulting or just for the period when regular payments were being made?.

Kind Regards

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Hi

 

Ok we can help you. You said you have the loan agreement. Can you post it up as a PDF (MINUS ALL PERSONAL INFORMATION)

 

Use this method by dx100uk

 

scan the required letters/agreements/sheets

as a picture[jpg] file

remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf

than many single ones

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

or use word and save as pdf

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

NB:you can set where it goes in the post by hitting insert inline.

then hit reply button

 

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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PDF.pdf

Thank you so much

Please find the pdf documents as requested. Should I call the FSCS to lodge a claim and request their questionairre now? Also If I am unable to retrieve my bank statement going far back as 2008, should I send a SAR for all docs?

 

Kind Regards

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Hi

 

Here is the spreadsheet you will need.

 

StatIntSheet v101.xls

 

The insurance part of your loan is 6.1% of the total loan (195 /3195 x 100) so this means that 6.1% of every payment you actually made went to the insurance part of the loan.

 

Take hold of the spreadsheet an amount equal to 6.1% of each repayment you made giving the date, a description and the amount. The spreadsheet will do the rest for you.

 

If you made reduced payments then you enter 6.1% of any reduced payment you made.

 

Give the FSCS a quick call and tell them that you are claiming back from Welcome and they will tell you about the relevant paperwork and where to send it. I believe it goes to Welcome but check just in case things have changed.

 

If you haven't got your records of payment then I would SAR Welcome to get the loan statements.

 

Regards

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi,

Really grateful for your advice & time. I'm going to contact my bank and ask if they could provide a statement of all pymts made to welcome. If they can't do this then I'd send a SAR or whichever is less expensive.

I will post progress on this thread.

Thanks a million again

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Hi,

 

I no longer have a cheque book. Could I send a postal order for the SAR?

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Hi,

 

I no longer have a cheque book. Could I send a postal order for the SAR?

 

Yes you can

 

ims


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Yes you can

 

ims

 

I just contacted FSCS to ask for the relevant paperwork. I was put through to welcome finance. I told them i wanted the FSCS to make a claim against welcome. She said i was at the right place, took my details checked & said "there is no PPI on your account". I told her that their 'lifecare insurance' is a PPI.

she said they are only looking at PPI's right now and that they are almost at the end of that stage and will begin to look at other insurance soon after. She said she will add my details to the spreadsheet & they will write to me when they start looking at other covers but unable to tell me when.

I told her I will seek other means of redress.

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Hi ims,

 

Hope you are well. I have finally received my statement of accounts from Welcome Finance and have also cleared my the debt in full on 24.05.2012.

 

I am yet to receive appropriate claim form from the FSCS. (Reminder e-mail sent today)

 

Thanks again for the PPI calc spreadsheet.

 

Would you kindly go through the attached and pls advice if I had completed it correctly. Pls make any amendments as necessary and your advice is very much appreciated.

 

Kind Regards

 

 

 

PPI Claim -Welcome Finance- Check page.xls

Hi

 

Here is the spreadsheet you will need.

 

[ATTACH]33877[/ATTACH]

 

The insurance part of your loan is 6.1% of the total loan (195 /3195 x 100) so this means that 6.1% of every payment you actually made went to the insurance part of the loan.

 

Take hold of the spreadsheet an amount equal to 6.1% of each repayment you made giving the date, a description and the amount. The spreadsheet will do the rest for you.

 

If you made reduced payments then you enter 6.1% of any reduced payment you made.

 

Give the FSCS a quick call and tell them that you are claiming back from Welcome and they will tell you about the relevant paperwork and where to send it. I believe it goes to Welcome but check just in case things have changed.

 

If you haven't got your records of payment then I would SAR Welcome to get the loan statements.

 

Regards

 

ims

Welcome Finance Statement of Account.pdf

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Hello ims,

 

I also want to make a claim against MBNA credit Card PPI.

 

However, I think the application was completed online and I apparently ticked 'yes' to the ' would you want PPI question'.

I have received my statement following a SAR.

Would I still be able to make a claim? I obviously ticked yess to PPI, as I had thought , my application would be turned down if I did not incluse PPI

 

Thanks again.

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Looks OK to me


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Looks OK to me

 

 

Hi,

Could a PPI claim be made even when the credit card application was completed online?

I also want to make a claim against MBNA credit Card PPI.

 

However, I think the application was completed online and I apparently ticked 'yes' to the ' would you want PPI question'.

I have received my statement following a SAR.

Would I still be able to make a claim? I obviously ticked yess to PPI, as I had thought , my application would be turned down if I did not include PPI

Thank you

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Some on-line applications used pre-ticked boxes and also some would not allow you to continue the process of applying for finance without the PPI box being ticked.

 

Having a copy of an application with a box ticked doesn't always mean that you ticked it or that it wasn't compulsory.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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I just contacted FSCS to ask for the relevant paperwork. I was put through to welcome finance. I told them i wanted the FSCS to make a claim against welcome. She said i was at the right place, took my details checked & said "there is no PPI on your account". I told her that their 'lifecare insurance' is a PPI.

she said they are only looking at PPI's right now and that they are almost at the end of that stage and will begin to look at other insurance soon after. She said she will add my details to the spreadsheet & they will write to me when they start looking at other covers but unable to tell me when.

I told her I will seek other means of redress.

 

I just recd this response below from the e-mail I sent to FSCS regarding claiming against welcome finance. I have read somewhere that even their lifecare insurance is a PPI. (this is the policy I was missold)

Would you please advice if I do have a case for making a claim. Thank you.

 

Dear Mr xxxxxxx

 

Thank you for your email received 18 June 2012 regarding a Payment Protection (PPI) claim.

 

I have completed a review on the account you took out with Welcome Financial Services (WFSL). I can confirm you did not take out PPI on this agreement.

 

Therefore you are unable to make a claim regarding PPI at this time.

 

I hope my email has been of help, however, should you need any further assistance, please contact our Customer Service Team on 0845 373 0386 who will be more than happy to resolve any queries.

 

Yours sincerely

 

xxxxxxxxxx

Customer Experience Team

 

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

 

Dear Sir/Madam

 

I have previously asked you to send me the relevant claim form for claiming PPI compensation from Welcome Finance. However, I received no response from you.

 

Would you please send me the claim form as soon as possible and include details of where to send it.

 

Thank you very much.

 

My details are as follows:

 

Mr xxxxx.

Address.

 

Account No.xxxxx

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