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    • I'm removing two posts here – one because it refers to "… All from the same ethnic background" and the second one referring to the fact that the customer was Spanish. The first, particularly by king12345 has a strong racist tone about it and is completely unwelcome here.  king1 2345 has been here long enough and knows very well that this is not what we do. ==============================================================================   In terms of the building and insurance problem, it certainly sounds if you are being treated very badly and we would be very happy to help. Unfortunately I find your story is rather unclear – probably because there is a lot of narrative and I'd be grateful if you could clarify your story and in particular breaking down the insurance job and the rest including giving their values. Do you know if the insurance money has been paid to the customer or is the insurance company simply waiting for some kind of approval. You say that the insurance company has signed the job off and so this suggests to me that they are satisfied but what worries me is that they may already have paid the money to the customer who is merely withholding it from you rather than authorising the direct payment of the insurance money to you. Your story needs substantial clarification please. Finally, does your customer own the property? If you are not sure then you should consult the land registry website to ascertain the owner of the property
    • update:  Tried with new micro filter and still no difference in the speeds.  Called plusnet and they sent this 🤪 although looks like there was interference in the line which i never picked up   
    • Hi dx100uk   He is the information you asked for.   OC: Capital One    Type of debt: Credit Card    When taken out: 29/10/2017   Current owner: Capital One    Defaulted date: Hasn’t Defaulted    Outstanding sum: £156.52   ———————————————————————   OC: Vanquis   Type of debt: Credit Card    When taken out: 21/05/2018   Current owner: Vanquis   Defaulted date: 31/05/2019   Outstanding sum: £355.00   ———————————————————————   OC: Ocean    Type of debt: Credit Card    When taken out: 09/09/2018   Current owner: Ocean   Defaulted date: 07/06/2019   Outstanding sum: £318.00   ———————————————————————   OC: Instant Cash Loans T/A Payday Express   Type of debt: Payday Loan   When taken out: 22/01/2014   Current owner: Instant Cash Loans T/A Payday Express   Defaulted date: 04/06/2014   Outstanding sum: £492.00   ———————————————————————   OC: NatWest   Type of debt: Current Account    When taken out: 05/08/2003   Current owner: NatWest   Defaulted date: 30/04/2016   Outstanding sum: £468.00   ———————————————————————   OC: British Gas   Type of debt: Utility Gas Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £712.00   ———————————————————————   OC: British Gas   Type of debt: Utility Electric Account   When taken out: 01/08/2015   Current owner: British Gas   Defaulted date: 06/09/2018   Outstanding sum: £819.00
    • Thanks DX re counterclaim. Just to clarify regarding witness should I just put one on the N180 and at court just take a witness statement from partner?  
    • I am hoping someone can advise me regarding my salary. I work as an emergency response driver for a private medical transport company. I work 6 x 24 hour shifts on call(total of 144 hrs) followed by 2 rest days(48 hrs). I work from my home address, with a company vehicle parked outside. During my six on call shifts, I must be available to respond to any task given to me (by phone-call) within a certain time. As you can imagine, while on call I am very limited to what activities I can take part in. Due to the nature of my role and the need to respond within 30 minutes to 90 minutes I am somewhat tied to my home. Obviously I cannot consume alcohol, go for family meals, go shopping etc. Even while attending hospital appointments, popping to the shop I must wear my uniform, take the vehicle with me and be contactable and ready to respond. It has been brought to my attention that on call time is now classed as working time if you must be at the disposal of your employer during that on call time.   Is that correct and if so, should I be paid at least the minimum wage while on call. I am currently paid an annual salary of £22,000 for being on duty an average of 6,570 hours per year which would put my hourly rate at well below the minimum( not including annual leave).   Any advice would be greatly appreciated. Thank you.
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a foster

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


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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

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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


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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

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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.

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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

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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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