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Welcome Finance ppi year 2002 and Welcome Finance Hp Agreement year 2002

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Hi,

 

 

I would like to know if anybody could shed any light regarding LLoyds and Welcome Finance;

 

 

I have written to LLoyds regarding the PPi mis sale , May 2002 loan,

they agree that they are indeed the Underwriters but Welcome is responsible;

 

 

I am awaiting Welcomes response - probably a negative one;

 

 

I would also like help with a mechanical breakdown issue with additional insurances that I was forced to buy in April 2002;

 

 

I have approached Welcome and they responded saying that they did not have to pay out because a High Court ruled that

a ' Scheme' had been put in place in 2011 for 2 months and that I should have claimed then which I did to no avail;

 

 

having scrutinised the agreement, I thought I'd approach Royal and Sun Alliance whose name appears on the HP agreement for the car as the Insurer/Broker

- Royal Sun Alliance did respond and

 

 

I have this in writing stating that they never sold this type of insurance back the - strange?

 

 

I have also been in touch with the FOS regarding the PPi I was forced to buy yet could not use when I suffered back pain;

I have submitted a GPs letter to each of the Underwriters as to why my claim was rejected

and am waiting for their reply too;

 

 

what can I do now;

 

 

please can someone advise,

 

 

thanks

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you should lump everything together and put a claim into the FSCS

trouble is its from 2002.

 

 

no-one was regulated at that time

 

 

any reclaiming from welcome for PPI/GAP/MECH is doomed to failure now.

 

 

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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Hi dx,

Thanks for that;

 

 

I will contact the FSCS tomorrow

 

 

the one thing that is annoying me greatly is how can Welcome Finance clearly state on an HP Agreement

that Royal Sun Alliance was the Insurer/Broker and they were not;

 

 

they charged me for the Gap/mechanical breakdown but where did that money go,

 

 

the Agreement says Royal Sun Alliance but Royal Sun Alliance have sent me a reply in writing that they never sold the GAP/Mechanical breakdown;

 

 

personally, I think they have just put their name on the agreement and taken the money and I am wondering whether I should report them for fraud?

 

 

Please can you advise, thanks

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welcome reps were known to pull all sorts of stunts to get the commission in their pocket.

 

 

if you use our search top right greytoolbar

or middle red one.

 

 

type in POSTGGJ

 

 

have a read of a few threads that you'll find his posts in that are welcome related.

 

 

you'll soon get the jist of what they got upto.

 

 

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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Hi d, thanks for that,

 

 

I have just taken a look; very suspicious indeed!

 

 

I have emailed Welcome with my concerns and I can provide them with the proof that Royal Sun Alliance did not provide the GAP/Breakdown insurance;

 

 

I wonder what their reply will be - I have the agreement too;

 

 

should I report them for fraud because in effect they have just pocketed my money?

 

 

Thanks

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99/100 that's exactly what welcome did on most insurance/GAP/MSC/MIF payments anyway.

 

 

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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Thanks for that; I've emailed them and will let you know their reply

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Hi,

 

 

I just wondered whether anybody knew the maximum period ppi can be paid?

 

 

I was forced to buy ppi via Welcome Finance on three loans,

one in April 2000 - Underwriter Jubilee Group,

 

 

the other 2 Direct Group, April and May 2002.

 

 

I was rejected for the claim as the insurer - Direct Group said my injury was mechanical

but I have however found a letter from my GP stating otherwise

- I was on incapacity benefit for 7 years.

 

 

I have contacted Welcome who said the PPI will only pay out for 5 years and having read other cases

some have said only 16 months,?

 

 

I have sent the Jubilee Group and Direct Group my GPs letter and await their response

and would really like to find out the ppi payment duration because i'm being given different information,

 

 

I had to sell my house to pay Welcome back.

 

 

Please can someone advise,

 

 

thanks

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random post on other peoples thread moved here to prevent hi-jacking.

 

 

each Loan is covered by it own T&C's

and each associated PPI has it own T&C's too

 

 

you'd need all the paperwork.

 

 

you need to tell us the ful welcome story.

 

 

you had to sell your house?

 

 

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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Hi D,

 

In May 2000, April 2002, May 2002 and December 2004 i took out four loans.

 

The three loans had PPI on it, Aviva was the underwriter for two, Society of LLoyds the other, Aviva,

 

i had an emergency caesarian section on the 26th Sept 2002 and was injected in my spine and could not work,

Welcome were aware of this and forced me to take out a loan in Dec 2004 to help pay for the other loans

they refered to this as a Legal DMA - they provided no agreement and still state they have no written agreement.

 

They knew i was unable to work and even arrived on my doorstep with the paperwork.

 

Things got nasty, i could not afford to pay for the loan they forced me in to taking,

they threatened to take my home and in the end i ended up selling my home and paying them 28,000

as well as the monthly payments, i incurred late payment charges etc

 

I have since found out the PPi should have been paid -have medical evidence and that the HP agreement for one of the loans has a broker named

that has no recollection of ever having a policy in my name - have evidence of this too;

 

Welcome have just put RSAs name on the document and taken my money by the looks of it,

also if the ppi had paid out for the duration of the loans, I would never have had to sell my house

nor be forced to take another loan whilst on incapacity benefit;

I couldn't work from sept 2002 till 2009,

 

thanks

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so you got ripped off blind

 

taking out loan after to loan to refinance the original car debt.

 

have you ever sent welcome an sar?

 

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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Hi D; no i haven't asked for a sar;

 

Welcome are still looking into my complaint about rsa's name on the agreement;

 

I've given them 5 days but they said they need longer,

 

told them they wouldn't wait when i needed longer to pay,

 

unsure about what to do next,

 

have you any advice please

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not worth the investigation

 

we need to hit welcome with a proper complaint.

 

you cant do that without getting all the info

 

get an sar off to them

 

if you know all the loan agreement numbers all the better

but if you don't

don't worry.

 

little point in moving anywhere till be have that sar return

 

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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Hi d, please could you tell me how I get a sar; can I email Welcome Finance and request one, thanks

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urm click the SAR


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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Hi d, thanks for that;

 

I have emailed them the letter - I understand I need to pay £10

- I seem to remember paying them £10 a few years ago for information so will await their reply;

 

I do have all the info regarding the loans:

 

Ref – £2,500, May 2000 No agreement - FOS confirmed

- £6,927, December 2004 ( this is the one the forced me to take whilst on incapacity benefit

- there is no agreement/paperwork only a legal dma they said)

 

£5,467.56, May 2002 Have agreement

 

£3995 April 2002 Have agreement

 

Aviva have also kindly emailed me the t&cs of their ppi and confirmed they should have paid out for the lifetime of the loan.

 

I do know exactly what I was paying each month too.

 

Please can you advise of what to do next, thanks

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well it might well be a total PPI reclaim across all the loans outweighs their offer to pay off that one loan?

via the PPI?


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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