FSCS/Welcome keep denying PPI claim, need to go to Ombudsman..Help!!

[ashling83]

Hello,

 

So I had a welcome loan which i took out in 2004 (approx) In 2006 I increased the loan amount, and i finished paying loan off March 2011.

 

A letter arrived in Decemeber from FSCS saying I had been mi sold PPI and to please complete the application form.

 

So when I took the loan out I specifically said no to PPI. At the time I worked for an insurance company so knew all about PPI and all the ins and outs, so I was very confident I didn't want it.

 

So FSCS wrote 2 weeks ago and said my claim had been denied as 'because i worked in an industry selling PPI I should have known better' (along those lines anyway).

 

I wrote a letter of appeal on Monday and said they weren't getting the point of my complaint. - I specifically said no to PPI so they must have added it on without my knowledge or consent!!

 

This morning I recieved a reply saying they still will not uphold my claim, however the letter gives some interesting information I didn't know before. The letter says

 

'As no PPI was sold with the initial loan, only when it was re-written, we feel that you were fully aware you had purchased the insurance cover and were happy to accept the additional cost'

 

This is interesting, so about a year into having the loan i increased the amount of the loan. I went into the office again to do the paperwork. Again, I specifically said no to the PPI. So it looks at though the wideboy I was dealing with added it anyway.

 

I didn't question the amount I was paying as I had increased the loan by double and with their whopping interest rates the new amount didn't make me worried.

 

I really want to appeal this now with the Ombudsman because I'm furious I was cheated out of this money. They are using the fact that I worked in insurance against me though, anyone know why this is?

 

So does anyone have any tips on how I can make my next letter to the ombudsman get my points accross correctly?? I think the amount owed is around £2.5k, and as you may see from my other posts i'm currently in a very bad way financially so this money could really help me. It also gets my goat that my financial situation might not have been so bad the last few years if I wasn't unnecessarily paying out for exces insurance I didn't need!!

 

Sorry for the long post - this is why i need help writing the letter!

[dx100uk]

its undoubtedly a case of the office staff doing it afterwards

 

this is very well known about with/at welcome

the staff got a heafty commission to their wages for doing it

 

write back.

 

and ask for a copy of both agreements and the statement of needs 'i think' doc

 

that should throw up what happened [search for POSTGGJ posts in the welcome finance forum]

 

they sre wriggling because they know as a rollover loan

this could cost them £1000's

 

dx

[dx100uk]

statement of price document

is what ytou want to see.

 

i'd sar welcome if not done so already

 

dx

[Asmo83]

Should I sar them before i take any further measures? I did call welcome a couple of years ago as i wanted a copy of my paperwork and the branch i took the loan out had been shut down, and the call centre said they didn't have any paperwork. What happens if they don''t have it?

[dx100uk]

let see sar welcome thay must have something as they are able to relate how you brought the loans

they are just trying to put you off.

 

dx