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Baz1994

Welcome secured loan PPI reclaim dial4alone/progressive finance/NU/aviva

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Just a thought but on the electoral register forms that you fill in,

 

 

did you ask to be omitted from the edited version?

 

 

If you didn't they can trace you that way, or they may have used tracesmart website.

 

From there they could use social media to find your workplace, its not that hard sadly.

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Many thanks for your response and that probably explains it - will take that on board going forward.

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Well when I thought everything was progressing well with my complaint,

I now today received a letter and another questionnaire to be completed from dial4 A Loan ?

 

I spoke to Welcome Finance Complaints dept and they advised that complaint has now been passed to the broker ?

Does anyone know if this is correct or experienced the same thing ?

 

Is it just another stalling tactic by Welcome ?

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yes they are welcome in sheeps clothing

 

even in the same building I think

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks

so that clarifies that then

 

but they are saying that they cannot pass on previously submitted details ???

 

Its becoming rather annoying now and rather frustrating.

 

There isn't even a telephone contact number for dial4 A Loan

 

- does anyone know why this is ?

 

I will have to resubmit details to dial4 A Loan ?

 

 

I am a bit confused as I have no correspondence from them only details from Welcome ?

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have you still got the copy of the FOS questionnaire

spready etc etc

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Yes I have thanks dx and up-dated spreadsheet.

 

 

Shall I just copy and re-send to dial4 A Loan ?

 

 

Do I need to contact FOS or just await reply from Dial 4 A Loan ?

 

 

At the end of my tether with these cowboys at the moment !

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sadly i'd resend the whole package again to d4l.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Ok thanks again and will do so now. Will keep you posted on developments.

 

Sorry for a daft question

but what is the relation between dial 4 a loan and Welcome finance ?

 

 

Are they the broker ?

 

 

Also the PPI policy is with Norwich Union and trust they are the Underwriter ?

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Just received reply from Dial4aLoan rejecting my complaint

due to complaint not being made within six years of sale ?

Also that they were not regulated by the FSA as sale was made before 2005 ?

 

They are now suggesting that I refer the complaint to Welcome again or Norwich Union ?

 

Any further help what to do next would be very much appreciated

or am I wasting my time as I am at the end of my tether with this lot :x

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no such time limit on ppi claims

 

they are not covered by the limitations act

 

its when you realise it been missold the clock starts


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks dx - is there a standard letter to reply with ?

 

Does the policy with Norwich Union / Aviva actually exist as been requesting details but to no avail ?

 

how can I find out if Aviva / Norwich Union subscribed to GISC Code ?

 

Do I now consider presenting misselling details to Underwiters ?

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go back to d4l retort the 6yrs and read the first 3 links here

upon the time line of ppi guidelines

 

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


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Many Thanks again dx and will do.

 

Will advise further reply when recieved

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Apologies but I'm a bit of a novice at this but will try to explain as briefly as possible.

 

I took out a Secured Loan with Welcome Finance in November 2003 in which I was miss-sold PPI.

I received the relevant questionnaire from Welcome in which I completed and returned.

 

Next I receive a letter from Dial4aLoan (same address as Welcome?)

saying that they have been passed complaint details by Welcome Finance for investigation

and can you kindly provide Copy of Agreement details showing

insurance premium, documents relating to Dial4aLoan sale, status of account etc ?????

 

I have no recollection of ever having any contact with Dial4aLoan (obviously the Broker)

or ever receiving details from them but only with Welcome Finance / Progressive Financial Services ?

 

I spoke to Welcome about this who were rather unhelpful and said that the matter had been passed to the Broker to deal with.

 

I then had to write to Dial4aLoan (No telephone number provided ?) in which I received a reply stating that I would have to send £10 for details of the account to proceed or revert complaint back to Welcome or Norwich Union / Aviva .

 

last week I sent the standard SAR letter to Dial4aLoan with £10 cheque

(which has been cashed) requesting their response within 40 days.

 

Today I received their reply thanking payment and please find enclosed documentation that they hold on my file.

All they have supplied is a couple of badly photocopied dial4aLoan Broker Commission statements,

a BACS Remittance Advice letter from Welcome to Dial4aLoan again showing their commission, and copies of my previous correspondences to them !!!

 

Am I missing something here

was expecting a lot more as per SAR letter conditions ?

 

Any help would be appreciated as what to do next as this is becoming rather frustrating.

 

I have a Secured Loan with Welcome Finance since Nov 2003 in which is still active and on checking my Deeds from Land Registry they are not named on it but a company Progressive Loans ?

 

Sorry for a stupid question but does that imply that Welcome have no hold on my property and therefore it is not Secured by them ?

 

Can someone also advise when is or is not a Secured Loan enforceable ?

 

I am trying to complete spreadsheet - What Interest rate % do you enter ?

 

Also found the Fee Reclaim Letter as advised

but it mentions mortgage but mine is in respect of a Secured Loan,

sorry for silly question but is it one of the same or do I just change certain details ?

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just change the name of the account in the letter

 

you use their APR

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks dx, so I have an APR of 20.1% (Welcome Finance) so just enter that ?

 

Also I have various charges

i.e

  1. unpaid direct debit,
  2. conversion default fee,
  3. conversion default interest,
  4. capitalisation fee,
  5. telephone charges and
  6. default sum fee interest.

Which of these can I not try to claim back ?

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rule of thumb is the fixed sum re-occurring ones.

 

however

 

1,2,3,5,6

 

what about letter?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks dx and plse could you check and advise what needs to be taken out ?

 

Can anybody help please ?

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TBH, I dont really understand the question.

 

It is my understanding that Welcome finance is part of Cattles plc and Progessive finance is the name Welcome used to use until about 3 years ago.

 

I believe they then changed their name officially from Progressive Finace Ltd to Welcome Financial Services Limited.

 

As for your other question regarding whether or not the loan is enforceable - we would need to see a copy of the original agreement to determine that.

 

Are you still making payments to the loan ? Is it up to date with no arrears ? Is there any Payment Protection Insurance attached that might have been mis sold - a lot of Welcome finance PPI was. If so, then you could make an attempt to reclaim this.


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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

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2: Take back control of your finances -

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3: Feel Bullied by Creditors or Debt Collectors?

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4: Staying Calm About Debt

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Many thanks for your reply and thought as much, just checked Credit Agreement smallprint and does state trading as WFS.

 

Yes I am still making contractual payments on the loan but Welcome are chasing for some old arrears from 2008 hence my question. I refuse to settle until proof provided.

 

As for PPI, I have already submitted complaint but WFS passed to Dial4aLoan ????? Its all getting a bit complicated as SAR details received were atrocious and incomplete !

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If the SAR was incomplete then you can either ask them for the data you believe to be missing or escalate your complaint to the Information Commissioner.

 

I am not sure how Dial4aloan enters the equation !! If they have gone past the 8 weeks for your complaint to be dealt with, then you can escalate that to the Financial Ombudsman :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks again for your reply but it seems that WFS have just passed to Dial4aLoan who were the broker supposedly ?

Have no recollection of any dealings with them only WFS and still no forthcoming info confirming this ?

 

I have also submitted a SAR to WFS anyway to see what they come up with.

 

 

Regarding Dial4aLoan reply, they still have another 30 days to respond but seems like their final response ?

 

 

Should I follow-up requesting they confirm this and take it from there ?

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Yes, ask them to confirm they have issued their final response because you have only 6 months from that to make a complaint to the Ombudsman :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Cheers and will do - and will post up again once I receive a response from them.

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