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    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
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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

 

 

 

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

 

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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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