Need help ppi and welcome - a 'cheeky' reclaim?

[dx100uk]

you reclaim them

 

they un-negoitated unlawfull charges.

 

dx

[TheCherry0121]

Can anyone help me with a letter to reclaim everything please as im useless with letters

 

Thanks

A

[dx100uk]

plenty of threads in this forum

follow one of those

you need to know what you are doing not just follow a script.

the more you read the stronger we become

 

dx

[TheCherry0121]

Ok I started a thread on the DCA dealing with this debt but am putting the relevant documents relating to it from welcome in here to ensure it gets the best advice.

 

Iv been reading through for months now and am slowly understanding stuff but i need this stuff giving the once over to make sure its legit and if so advice on where to find the appropriate threads for reclaiming PPI, UNFAIR FEES, and the ACCEPTANCE FEE.

 

If i can get the loan back to the original £2000 of which iv paid £282 instead of £4k then im in a very strong position to pay it in full if needed or make a substantial offer on the £1718 that would be owed.

 

The DCA were prepared to accept £1900 as F&F before I CCA'D and SAR,D them and now i can see why. In my initial call i even offered £1700 there and then which they refused the dumb idiots. ( since finding this site iv not called them only written)

 

I was told that i could not have the loan if i did not take the PPI

 

Docs are as follows

 

CCA

 

 

Please note the signature left in the PPI section is not mine, mine is in the box above and this one is completely different so i dont know whats happened here

 

personal loan statement

Edited July 18, 2010 by TheCherry0121

[TheCherry0121]

Ok so i spoke to the DCA today on the off chance i might actually get somewhere. I really need someone to look over this to see if my F&F offer is good or not. I got them down to £1500 as i stated that the ppi signature was not mine and fraudulent as my real signature was in the box above and that if it went to court id fight all the way.

 

As usuall i was asked to pay there and then but i told him he wouldnt get a penny untill it was in writing and was stated in said letter that it was F&F

 

On another note he made a fool of himself saying that cattles and welcome had come through the worst to which i chuckled. He then said welcome had sold a large percentage of there book on.

 

I dont think iv done to bad tbh as i borrowed £2000 and i will of paid £1800 back in total what does anyone else think ?

[wannabedebtfreesoon]

I think you can pay them a helluva lot less than that!!! Missold PPI, extortionate charges, forging your signature??? They should be paying you!!! This is an outrage!! If I were you I'd fire off a massive complaint letter outlining all your points and if they didn't immediately write off the outstanding balance you will issue legal proceedings against THEM!!!!

 

However, that is just what I would do, of course whatever you decide is right for you is entirely your choice If you decide to settle I think you still have a lot of bargaining power

[wannabedebtfreesoon]

P.S. According to your statement you have already paid them £431.46.

 

You made 3 payments of £143.82, however in those 3 months they also added £354.86 to your account for "Interest", this being in addition to the 59% APR that was already added!!!!!

 

In effect you paid £431.46 in order to reduce your balance by £76.60! DISGUSTING!

 

I HATE WELCOME FINANCE

[TheCherry0121]

Right iv made my payment for settlement

and now they are hounding me with phone calls and i dnt know what to do.

 

I used the third party cheque to cover my ass with a covering letter of terms and conditions.

 

I have there letter stating the full and final figure and sent them that exact amount.

 

But 7 calls in one day is taking the mickey,

 

thing is they dont give opening times and dont answer the phone to witheld numbers.

[dx100uk]

so has it been cashed?

 

dx

[TheCherry0121]

Ok all so i have myy cca and the account is now settled in full with written proof of this. My new port of call is the fact that someone has forged my signature in the ppi box of the CCA Its so blatent its a joke

 

 

Where do i stand with this and who should i get in contact with i know there going down the pan but this really is a little to far

[TheCherry0121]

Anyone got any advice ???

[winston73]

Hello

 

It all depends how far you want to go with it, if you think these idiots have forged your signature then thats fraud and a call to the police should be made, but i think you will have to prove that its a forgery and that could be difficult as a persons signature can differ from the last one and you may need to get handwriting expert to prove that its not yours. the cost and time for this i am not sure of.

 

The other option is to get a ppi claim going and claim back what you can, all fees and insurance, i think, can be claimed back.

 

Whatever option you choose i hope you get what you can off them.....

[TheCherry0121]

Yeah but the signatures shown here aren't even close to being the same one uses an upper case letter and the forged one uses a lower case. I think I'll go I. With th ppi claim and go from there, if they get obstructive then I think the police and courts should be involved as I don't want anyone else being put In this situation.

[beyondhope]

a handwriting analysist i believe costs around £300

[winston73]

Have you looked to find any more threads on this forum to see if anyone else has had forged signatures ?

 

It might be worthwhile trawling through them to see if anyone has had any results from this..

[blueboy6970]

I'm no expert, but to me the last l looks different. The top one "appears" to go bottom then up, the lower one goes top to bottom.

 

Any chance you can do a better quality of just the signatures as it also looks as if the lead character flows differently into the next as well.

 

If it does, I doubt you'll need a handwriting expert to prove too much!

[TheCherry0121]

Right all after a long battle with welcome I ended up paying a settlement figure to get rid of my debt 2 years ago.

( still not updated my credit file though lol).

 

Now I have put in a ppi claim due to me not knowing I had ever taken it out,

but when I requested my cca I found out they had actually forged my signature (poorly I might add) and added it to the loan.

 

I am currently filling in my form for the fscs and am wondering if I am entitled to anything

and if so how much roughly would the fscs pay.

 

Loan 2000

Ppi. 741.10

 

36 months

143.82 per month

59% apr(variable)

Acceptance fee 75

Interest charge 2361.42

Interest per Annum55.55%

 

That is how it is broken down on my cca and I would be great full of any help. I have paid off 25k in bad debt over the last 10 years and these people have been the worst. Am I even entitled to anything after paying a f+f settlement.

 

 

Thanks in advance for any help x

[dx100uk]

work out total cost of PPI / total cost of loan X 100 = XX%

 

then workout what xx% was of £143.82

and you settlement figure too

 

then for EVERY payment YOU ACTUALLY MADE

 

then fill our the stat int sheet here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

i notice you had PENALTY charges too:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?268328-Welcome-help/page2

 

did you get those back?

 

dx

 

ent

[TheCherry0121]

Thanks dx

 

Unfortunately my laptop is dead and I can't acces the spread sheet via my I phone . And I'm unsure how to work out total costing as its all a little confusing.

 

Sorry if I'm being stupid x

[TheCherry0121]

Never claimed any penalty charges back but don't think I can now due to them going bust

[dx100uk]

oh yes you can!

 

TBH you should have done both of these years ago as per advise on your old thread above.

 

dx

[TheCherry0121]

Had a lot going on in the family at the time. So how do I go about claiming back penalty charges that are on a settled account done via f+f ?? Would they not just be offset against the written off amount ?

[dx100uk]

hi cherry

 

well we all have issues, thats a shame

but we'll get you moving now

 

did you ever get all the statements

 

dx

[TheCherry0121]

Everything I was sent regarding statements was posted in my old thread iirc . And thanks dx

[dx100uk]

ok i'll have a poke around later

 

dx