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Welcome Finance PPI - Help needed


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Hi... First time post here,

 

 

after being told a few years ago by welcome finance I didn't have PPI on 2 loans from 2004, a claim company checked again for me and it transpires i do have PPI on both.

 

I don't remember taking PPI out although I was a suggestible 21 year old who wanted a fast loan for a holiday and another for a driving license crash course.

 

I have the credit agreements and can see PPI is clearly listed and listed as "optional",

however as I was working full time,

living at home with mum and dad

and had some money in the bank with very little debts/overheads.

.. was this mis-sold to me?

and if so how should I structure a claim?

 

I am considering using a [removed] for ease of use and I've heard bad press about Welcome, although they were quite helpful and willing to assist with registering a claim when I called them.

 

Any help greatly appreciated... Agreements attached.

 

Thanks for any help

WELCOME CAs.pdf

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ive hidden your attachment as you need to redact things properly not just by crossing thru with a pen.

 

we can see thru it....:lol:

 

follow the upload

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Eeek,

sorry about that.

I will upload again with info properly blocked out.

Thanks

 

DX,

so as my loan is pre 2011,

I can't claim?

 

 

Welcome seemed quite happy to accept a complaint based on these dates.

 

 

My question is was I mis-sold due to the reasons given?

Thanks

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ofcourse you can.

 

but they might well reject it

if they do

time to go after the underwriters.

 

now you need to make sure that CMC is NOT expecting a cut and that you contract with them is cancelled.

 

it might pay you to sar welcome

get all the statements and go from there

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi... First time post here,

 

 

after being told a few years ago by welcome finance I didn't have PPI on 2 loans from 2004, a claim company checked again for me and it transpires i do have PPI on both.

 

I don't remember taking PPI out although I was a suggestible 21 year old who wanted a fast loan for a holiday and another for a driving license crash course.

 

I have the credit agreements and can see PPI is clearly listed and listed as "optional",

however as I was working full time,

living at home with mum and dad

and had some money in the bank with very little debts/overheads.

.. was this mis-sold to me?

and if so how should I structure a claim?

 

I am considering using a [removed] for ease of use and I've heard bad press about Welcome, although they were quite helpful and willing to assist with registering a claim when I called them.

 

Any help greatly appreciated... Agreements attached.

 

Thanks for any help

 

They may have said the PPI was 'optional', but in my experience, they made it plain that you'd likely be turned down if you didn't take it.

 

I have claimed PPI from them... you don't need the help of those claims firms... it's very easy to do!

 

TB

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I would sar first

 

 

dx

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I have SAR I have all the docs,

I uploaded them,

it clearly states "optional" payment protection,

should I just stick with product unsuitable?

Or that I wasn't aware of it?

To be fair I just wanted the loan and signed what they put in front of me.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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