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Welcome Finance PPI claim 2001


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Hi all

 

I am in the very early stages in trying to claim back PPI on the loan

 

I took out a secured loan with Welcome Finance back in 2001.

 

I took out a £5,000 loan and was told I had to take the PPI out or I would be refused the loan.

 

I repaid the loan in 2007 and I think I paid in the region of £21,000 all in!

 

I didn't think about claiming PPI until quite recently as I thought once I had paid it off it was finished therefore no point.

 

I have emailed Welcome Finance as I do not have the original paperwork or account number.

 

They have emailed me back and asked me to send off either £1 for copies of my loan agreement or £10.00 for a full Data Subject Access Request,

where they provide all information held by Welcome Financial Services Ltd.

 

They have also emailed me a PPI reclaim form which they cannot deal with until I pay the fee.

 

I am fine with this and think the £1 fee is enough as I only had one loan with them, would that be right?

 

as my loan was pre 2003 which seems to be a sticking point for most,

will my claim be automatically rejected?

 

I have no idea how much PPI I would have paid for this loan.

 

It was a loan over a 10 year period but I paid it off early.

 

Many thanks for anyone that can help with my queries.

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send them an SAR the £10 one.

 

as for if they'll cough

 

before the FOS etc it was GISC and another set of guidelines AMT or something?

 

they have to abide by?

 

lets await the SAr

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for that dx, I will get a £10 PO (don't have a cheque book) off to them tomorrow and wait to see what comes back. I assume they will have no objections to posting it to a different address from the one on the application? We have since sold the house.

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as long as you prove by say ctax bill whom you are.

 

refer to the old address on the sar too.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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not worth it

 

2nd class with free proof of posting from the PO counter will do

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 9 months later...

Am dredging up this old post as

 

 

I had to jump trough hoops to get my paperwork back from Welcome.

 

 

It didn't helped I had moved address (from Scotland to England) and changed surname either.

 

 

I have got my paperwork from them which includes everything I need to get started on trying to claim back PPI.

 

 

What do I need to do now?

 

 

Do I fill in the existing form they emailed me to reclaim PPI?

 

 

I no longer have it as it was sent to my work email's address (I have a new job)

 

 

could I just contact them again to ask for this to be sent to another email address?

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http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

 

fill this out

 

 

and do a

 

 

do a spreadsheet as per link 1 below. [sheet is at the end but read it first

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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have you MSoffice installed?

 

 

if not open office is free

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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