them lovely people at welcome finance!

[mrjamie79]

hi,

 

I have just received my sar from welcome and even though they said i have no insurances i actually have "shortfall extra" amounting to a rather large amount.

 

please can anybody point me towards a templete specifically for welcome and shortfall extra,

 

I havent been lazy just cannot find one anywhere and believe me ive looked!

 

thankyou in advance if you can help if not thanks for ready my post.

 

Jamie

[honeybee13]

Hello and welcome to CAG.

 

I think you will get the advice you need on the Welcome Finance forum. I'll move your thread there and leave you a short term redirect here.

 

My best, HB

[dx100uk]

what wsa the credit all about?

 

dx

[mrjamie79]

it was for a car i paid the finance and insurance off 2/3s of the way through thanks for replies:-)

[dx100uk]

you mean you had gap ins?

 

scan up the agreement please

 

is this the ONLY welcome account too

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

*************************************************************

DO IT IN MSPAINT.EXE or any photo editing program

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

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

.

dx

[mrjamie79]

ah great thanks will get cracking on that advice now but as my pc skills are limited it could take me a while beer with me....

[dx100uk]

prob gap ins?

 

and yes a good idea to crack open a beer...

 

welcome fleeced everyone

 

comes as a shock too...not!

 

dx

 

dx

[mrjamie79]

there finally i think....ps i think that link for the auto pdf converter is broke but i googled it and found site anyway cheers.

[dx100uk]

twas an old link too ta

 

dx

[dx100uk]

files redacted and merged to one pdf

 

you'd left loads of perss info showing

 

isee you loads of £10 fees

as well get those back.

 

the fees and ins can go on the same spreadsheet

 

treat as PPI see no.1. below

 

dx

[mrjamie79]

i cannot really grasp it all,

 

i work in a factory

 

forgive my lack of technical ability

 

but reading all that just fries my brain,

 

soon as i see the word spreadsheet i panic and start breathing iregular.

 

Im just going to leave it as its stressing me out more than anything,

 

you can lead a mule(ass) to water etc....cheers again anyway J

[dx100uk]

hehe

 

later

 

dx

[mrjamie79]

HI, I put a post up some time ago with regards to trying to get my gap insurance payments back from welcome, I kinda got confused/stressed with the spreadsheet par of the claim.

As time as rolled on I am wondering is it worth having another go and if anyone would help me please? I will post a link to the original thread.

 

 

thanks j

[mrjamie79]

I cant post a link to my original thread but its in my profile

[dx100uk]

threads merged.

 

 

so have you done the spreadsheet?

 

 

dx

[mrjamie79]

hi there again long time no see lol, no I haven't is there a template for it? and how would I learn how to fill in a spreadsheet? and what figues do I need to put in it?

poverty has got me much more determined this time around....j

[mrjamie79]

the only link I have found is for spreadsheets providing these filenames- statintsheet and loananalysis im assuming I need the 2nd one?

[mrjamie79]

right this spreadsheet thing just isn't happening,

1/god knows which spreadsheet I should be using

2/ Everytime I find a link to a spreadsheet I click on it and internet explorer opens???

3/I downloaded an xl reader which has totally infected my pc with spy/ad ware

4/Ive spent 3 hours just trying to find the right spreadsheet let alone get it open in a format which I can edit/fill in.

very frustrating words cant describe.

[dx100uk]

oh that's a pain

 

 

have you got MSoffice or open office?

 

 

the spreadsheets are here:

 

 

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

 

 

got 5 mins

 

 

let me go look at your docs for a mo

 

 

dx

[dx100uk]

right so.

 

 

it looks like you got hit with £17.69PCM every month you paid

the full amount until they closed it.

 

 

so use the statint sheet

put in that figure and the date each time you made your £403.35 payment [£17.69]

on 17/7/7 you had a rebate

put that in as a minus figure and blank [delete] its corresponding [minus] int calc

 

 

that should be the shortfall done

 

 

..................

 

 

PENALTY FEES

 

 

using the CISHEET - put their int rate in cell D 15 [50.4%]

 

 

put in all the fees one by one on there date

 

 

like 7/7/2006 fees £100

 

 

dx

[mrjamie79]

thanku so much i may be sometime trying to do this but im not wimping out this time...