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    • Hello,

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Welcome PPI Claim


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Hi Guys,

 

Hope you might be able to help.

 

I took out two loans with Welcome in 2003 and 2004.

 

I did a PPI reclaim on the second loan (2004) I had with them first (not sure why I did it this way) and have recently received an offer from Welcome for this.

 

Am I still able to go ahead with a PPI reclaim for my first loan I had with Welcome without this jeopardising the offer they have just made on my second loan? They are two separate account numbers as far as I am aware.

 

Many thanks in advance.

 

Skinch77

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Thanks for the reply ims21.

Yes, the second loan paid off the first loan and gave me a bit more money as needed it at the time.

The reason I asked the initial question was because of the following paragraph in the offer letter I received from Welcome:

 

" In order to consider the financial impact of the Payment Protection Insurance (PPI) policies that you may have purchased on previous loan agreements, we have investigated all agreements that you have previously entered into with Welcome Financial Services Ltd."

 

This just confused me into thinking they have already looked at my first loan or is this just standard stuff they put in all offer letters as there is no mention of the first loan anywhere else in their letter.

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Are you sure you had PPI on the first loan?

 

If you have got the agreements and a record of all payments made you can check their offer to see whether it includes all loans. The details on how to do this and spreadsheets to help you are to be found in item 1 in my signature.

 

ims

 

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Sorry, only just been able to get back online. Yes definitely had PPI on the 1st loan also.

 

Have had a look at their offer and the info and spreadsheets you mention in your signature (which are absolutely brill by the way) and I can see that the offer from Welcome is purely for the second loan I had with them and it looks all ok. They actually sent me a letter and also an explanation of compensation calculation which made it a bit easier as I could see where they got their figures from.

 

I am going to accept the offer from Welcome for the second loan I had with them and then send in a new PPI claim for the first loan in a separate envelope.

 

Will let you know how it all goes. Thanks very much for the help, much appreciated.

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  • 3 weeks later...

Just a quick update. I sent my acceptance form to Welcome for my second loan on 6th June using the pre paid envelopeWelcome supplied. I chased this up with a phone call (18.06.2012) to make sure they had received it and was told they had received my letter on 11th June but it could take up to 30 working days for money to show up in my account. Funnily enough a day after chasing them up via phone the money was in my account. All in all not too bad an experience with Welcome but I do get the impression they don't really do anything unless you chase them, which I suppose is to be expected.

 

Anyway I have now just sent off my PPI claim for my first loan (didn't want to do this until they had paid out my other claim in case it jeopardised anything) and hopefully this will go ok too.

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