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Panasonic1974

I had an associates loan back in 2001.

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Cheque today from Citi, banked this afternoon :)

 

Great result!!!

 

I wonder if I should be that lucky.

 

 

I had an associates loan back in 2001.

 

 

I have my original hire purchase agreement with both PPI and GAP insurance selected but not wanted.

 

 

It's with Citi financial Europe at the moment.

 

 

What do you think my chances are as it was a lot of money.

 

 

I paid £79 a month for 4 years for the PPI and Gap!!!!

 

 

They have sent me 2 letters stating it is being investigated so fingers crossed

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Hello and Welcome,

 

I have started a new thread for you.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I'd be sending them as sar.

 

 

even though you do have the agreement etc

 

 

the statements might be useful.

 

 

did you send them the FOS CQ

 

 

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

 

 

and do a spreadsheet?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I think they are messing me about

 

 

I had a letter from them saying go back to Welcome.

 

 

How can that be true when Associates sold me the policy not Welcome.

 

 

Can believe it!!!!!

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welcome

 

 

what welcome finance?

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Yes Welcome Finance. Citi Financial are telling me that as it's a Hire Purchase Welcome should deal with it.

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Any advice would be great as when I phoned Welcome they are telling me that they will not look at it!!!!!

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please post up agreement minus personal details


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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citi never had any dealings with welcome finance

 

 

this is really weird.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Can't upload agreement

 

 

it's a agreement with Associates Capital Corporation in the corner with a breakdown of costs and ppi/gap etc.

 

 

As said it's a Hire Purchase agreement.

 

 

This agreement was made on 18/06/2001.

 

 

After this date Welcome Finance bought this agreement and I made my payments to them.

 

 

I complained to them but was told that as they didn't sell it then I would have to go to Citi Financial who were trading as Associates back in the day.

 

 

I did this and then on Friday got a letter from them saying it's Welcome who should be dealing with it.

 

 

After a few phone calls to Citi they tell me that as it's a Hire Purchase it's not them but Welcome who should deal with it.

 

 

After a call to Welcome they say they aren't looking at it and I can claim through their underwriters as they didn't sell me the policy. WHO IS RESPONSIBKE????? PLEASE HELP

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HOW TO UPLOAD DOCUMENTS / IMAGES ON CAGi

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

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5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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the experts here will yes

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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so citi are your target then.

 

 

have you tried an sar to get the statement to see where the money went.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Have you ever heard of Citi rejecting ppi claim as it's a Hire Purchase or are they bull****ting me

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I just feel that as Citi sold me the policy it's down to them but the chap from ppi queries told me that as it's a Hire Purchase he is sure that Welcome are liable. Who do I believe

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the associates/welcome hp mentioned in this thread post#772 -so maybe some further info in thread

 

 

"The credit agreement is not welcomes own HP agreement but the associates - although welcome have registered the debt it is actually an associates corporation plc debt. I have not recived any deed of assignment and none is in my DSAR. now that puts a total different spin on this wheel i think"

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?37780-Welcome-Finance-any-dealings

 

 


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I kept telling chap from Citi I can't understand why it's not their responsibility but he kept on about they don't do hire purchase ppi claims. I'm confused

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