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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***

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Ok cheers shall I put copy of land registry document in with it? And do I need to list my last addresses since i left marital home. I had contact with welcome from the last address when I put last loan in dispute in April but haven't had anything since so they have not got my newest address

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might be an idea


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 again dx. You've been like a guardian angel. I will be donating after I get back from holidays. I can now go away without this playing on my mind over and over. You are worth your weight in gold as I know what a nightmare it was for me. :whoo::-):oops:

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Hi little update on this.

 

 

I have recieved 2 responses off welcome a day apart with 2 different complaint reference numbers

the one focuses on the second loan ending in 769

none of the other pointers in letter I sent have really been adressed.

 

 

But they have asked for me to fill in a ppi claim form.

PDF Photos Welcome.pdf

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name on page 2 [atts removed]

as long as its IS the FOS CQ

then fill it out.


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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Sadly nothing other than what can be expected.

 

Bottom line is you have the evidence and should you ever goto sell

I'd be advising your sols to ignore the charge

 

Can't see these new owners ever being able to enforce the charge now either

 

You could try the fscs and the FCA


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 didn't put the mif down on the ppi claim form should I have?

As it just said ppi.

 

Go to the fos or fca regarding what bit?

 

Shall I wait for the ppi response to come through first

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let me read the whole thread again

 

bump if I miss you in the next few days.

 

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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Dx just a thought

I put the last account ending 84 in dispute back in march 2016.

This was well before I received a sar when in actual fact I requested a CCA on the debt they were chasing.

 

Unbeknown to me there were countless other debts before the one in 2008.

 

Are they actually allowed to sell a debt that was in dispute 6 weeks after it was put in dispute?

 

Just thinking about this whole welcome mess.

 

Just for you to know

I sent a debt in dispute letter back in March

after which they sent a demand for money

not a proper default letter.

 

After this I sent a cca request

they did not comply with this.

 

They wanted a signature.

I wrote back stating that the consumer credit act does not require one.

 

After this I received a sar did not request one.

 

Ain't heard a pip since April.

 

Does this make a difference to claim

do I put the claim for all loans or all the loans before the last one in 2008.

 

As I disputed the debt before I found out about all the others before

 

Here you go dx

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ideally they shouldn't but never seen anything done when they do do this.


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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Rule to themselves?? Not had any notice of assignment either. Weird bunch lo. Still leaves that charge ATM

 

Shall I start putting a spreadsheet together for all penalty charges from day one? You've done the spreadsheet for the last loan with regards to the Ppi and is it the same sheet I would use. What about the MIF and homecare and Medicare

 

What should I do next dx?

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i'd put in claims for the lot

 

penalty charges using the CISHEET

 

MIF and homecare and Medicare using the STATINT sheet.

 

they might be saying that they have some kind of special dispensation to not refund anything

but at the end of the day

the whole amount of the charge [which should be removed] is totally made of things that are reclaimable and unlawful

 

I would be involving the fscs and the FCA now on the whole debacle.


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'll get them reclaim sheets done today. The 8 weeks is up on sat re ppi complaint I believe will check that. Fscs about the reclaim and fca about the irresponsible lending is it? I'll post sheets here after I've done them. Cheers

 

Here goes.

Can you take a look please

 

https://1drv.ms/x/s!An17yDeDsY-ign9tnaq5xFQ5ZMlC

 

still saying invalid xlsx file when I try to upload

 

Here's the statInt sheet too. I've added the actual intrest here.

 

Have I done them both right

PDF Photos 17-11-2016.pdf

PDF Photos Wel.pdf

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save it as a .xls old version of excel

 

now why have yo included mif 3 times?

 

that's not how you fill it out

a copy for each mif and calculate it PCM every month same as the PPI

 

Here's the statInt sheet too. I've added the actual intrest here. Have I done them both right

2nd one is ok


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'm doing it on iPad.

 

Could that be the issue?

 

MIF was on different account numbers so separate sheet for each account?

 

Is the charges sheet correct.

 

Do I calculate the homecare and Medicare the same way as the MIF.

 

I ain't got a clue lol

 

MIF £1,108.79 120 months = 9.239 a month??

 

Put that in 120 times?

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you treat MIFS life etc as PPI

 

do the same thing.

 

charges is ok


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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All on the same sheet? I'll have a go now �� I didn't do the ppi you did

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one sheet for each


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


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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Whoop whoop!! Cant work out the rebate side or don't I add it? On loan no 2 health care do I add to this sheet or start a new one. There's ppi on here too but I think I'm your earlier posts you said there's no point in claiming that

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no you don't add the full rebate on..

you say 8.25 PCM

so do the calc

 

 

ppiPCM/fullPCMx100=%

 

 

the that % part of the rebate on the date the rebate was given


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'm confused

 

1st loan had ppi and healthcare are the both included on same sheet or do I do one for ppi and the other for Healthcare? Then new sheet for loan no 2?

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