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    • I had been told you lived in France . My skeletons have been dealt with I think .   You will always be able to find ‘respected’ academics with what I would consider rather strange ideas and misinterpretations as my link showed, 
    • My husband paid a backdoor CCJ sent to a previous address which we could not defend as it was too late before we found out about it from Lowell 😡 I had filled out income & expenditure for that debt and they knew/know I have very little disposable income & they also had my married name and new address. First of all Lowell had joined Aqua and this debt together in March 2019 until July 2019. They have also sent them out individually offering numerous discounts On 15/8/19 received "Letter of Claim" On 27/8/19 SAR...…...VANQUIS BANK... I received documents On 27/8/19 CCA …….LOWELL On 6/9/19 I received a letter from Lowell account on hold whilst client respods A On 7/9/19 I received a letter from Lowell "suspended activity" B On 12/9/19 I sent PAP ticking D and I using forms from here On 29/10/19 letter dated 24/10/19 bundle C and credit card statements   VANQUIS LETTERS.compressed.pdf
    • Yes I spend all my time in the UK – and I think I will leave you to deal with your own skeletons
    • Sorry Bankfodder   I don't know all the details but i am aware there is a lot of denial in France just as there is in many other countries, we could look at Poland as a prime example. We could of course look at the UK; were we ever taught about our complicity in the slave trade ( I was taught about abolition). Are we taught about how we butchered people in Ireland- I certainly wasn't . I wasn't taught about Peterloo, neither was I taught about the mass murder in Ukraine on the same level as the Holocaust.    Do you spend much time in the UK ? There are huge levels of general xenophobia but more importantly Islamophobia. For the first time since the 1980's the level of people thinking it is acceptable to be gay and out has fallen. All these things mean that we need to fight against it and not make causal comments that feed into it.  Brexit has only made it worse; it has given people an excuse to express their bigoted mindset.  Here in Coventry, Chinese students are being attacked by idiots who have no idea just how much money they bring to the local economy.   So I think yes, we all have skeletons in our cupboards and as a responsible people we need to do what we can to inspire a cosmopolitan and inspiring country
    • Thank you Andy. There is a county court in the town where the PCN was issued or I could choose another one; both are convenient.   In terms of expert evidence and witnesses, I will be getting written reports from my doctors for my counterclaim. Is box D2 relevant to that?   Witnesses - the passenger is a witness to the wooden pallets blocking parking spaces. They have also seen the stress this has caused me. Are they relevant to box D3?   Hearing Dates - When I'm working I only have 2 weeks notice of my next month's work so impossible to say which dates I won't be available. The same will be true of any of the witnesses. What do I put in box D4?   Lastly, in the Notice of Proposed Allocation where it says I must serve copies on all other parties who do they mean exactly? One Parking Solution Ltd via Gladstones Solicitors sent by post?   I apologise if these are numpty level questions. At least I won't need an interpreter 😉
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craigten

Welcome: 'Don't have a valid PPI complaint'?

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Good evening all.

A few weeks ago I remembered that 22 years ago I used Welcome Finance to buy a car.

I thought I remembered being cheesed off at the time with them adding some extras on but couldn't be sure.

I sent them a SAR and, unbelievable, they responded with my data (although actually just two PDFs, one with their privacy notice and one showing my old account.

 

However, I must admit that I don't seem to be able to understand it properly.

In the below PDF it shows that there were 'extras' (Insurance default, Old mechanical breakdown, collision call and Old shortfall / Gap insurance) added but it says in one page of the PDF that they were started 10/05/1998, ended at different dates but then shows 'cancel date' was 2/06/1998 - less than a month after they were added.

 

However, you will see on the second page, showing the account, that on 19/5/1998 'Insurance Premiums Advanced' of £236.03 were added as well as 'Disbursal of fees' of £55.

PDF here

 

In the second PDF they sent, it states:

Terminology Appendix

Please be aware that for the outcomes listed below, you don’t have a valid PPI complaint against

Welcome Finance.

Non-regulated - Pre June 2000 Sales

This policy was purchased prior to Welcome Finance’s voluntary membership of the General

Insurance Standards Council (GISC) which began on 27th February 2003.

 

The (then) Financial Services Authority agreed that any non-regulated insurance sales (that is, those sold prior to Welcome Finance’s membership of GISC) are the esponsibility of the insurance underwriter.

 

Due to the date on which this policy was purchased, the PPI mis-sale complaint must be referred to the underwriters of the insurance for it to be considered.

Unfortunately Welcome Finance does not hold records of underwriter agreements prior to June 2000 due to the time and as such we are unable to confirm the details or provide information about the underwriter of the policy.

 

When selling insurance policies, Welcome Finance was acting as an agent of the insurance underwriter under a signed contract.

The earliest contract signed by Welcome Finance and an insurance underwriter of which we have retained a copy is dated June 2000.

 

In terms a complaint for PPI mis-sale, as the insurance underwriter does not seem to have had a written contract with Welcome Finance, it considers itself to be outside of any regulatory liability obligations.

 

Although PPI-mis sale is the responsibility of the insurance underwriter and not the lender, any complaint pertaining to an unfair relationship due to the sale of PPI is the responsibility of the lender and as such, WFS will consider any such complaint where valid.

 

Out of Scope - Date Range

As you did not have an account open as of 6th April 2008, you cannot complain about an unfair relationship due to undisclosed commissions in line with the Financial Conduct Authority Policy Statement PS17/3, issued in March 2017.

 

Please can I ask for some advice on my perhaps naive question of - are they correct re any claim being out of scope?

 

Sorry for being confused.

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any possible PPI claim will be against the underwriters, who would have been regulated at the time. in most cases [check up] they were [eventually] aviva I believe. there would be no time limit.

 

welcome are then talking about the situation regarding a PLEVIN reclaim of unfair undisclosed commission they got paid by the underwriters for selling their product..this is why they are relating to the time limit, which does apply.

 

i'll read the letters later.

but the bottom line without the at least full agreement or statements , theres very little chance of reclaiming the PPI itself 

but the thinks they list, would all be classed as PPI regardless of the various 'names' they use to sc@m people out of money inc GAP which WAS ppi too.

 


..

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Okay, thank you. Yes, please take a look at the PDFs, they aren't the whole thing, just the relevant screenshots....

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only one Page...??

can you please not use a hosting site

put everything in one multipage pdf and attach it here by drop n drag in the bottom of every msg box .....choose files

 

though if there is an outstanding balance I cant see you getting anything anyway.


..

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Apologies, it’s the only way I could see of providing the relevant parts.

I’m unsure how to edit the PDFs they sent me so as to not show the personal details?

 

The balance was / is zero, I just didn’t provide the whole 4 pages.

 

Any ideas as to how to redact the personal info from a PDF?

 

Here you go, all the relevant parts with my details removed.

Thoughts would be welcomed (not a deliberate joke)...!

 

 

 

 

welcome docs.pdf

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bang shot yourself in the foot

why did you mention PPI in the sar request?

 


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looks like you still paid for ppi. {£236.03}

 

unravelling the crap in the letter

it looks like your can make a PPI reclaim directly to welcome

even though they were not GISC regulated, they are saying the underwriters were, but they cant say whom they were, but from other threads here it should be easy to work that out if needs be 

 

so you had a loan of £2269.44 of which 236.03 was PPI

 

so ppi/loan*100=ppi%

 

236.03/2269.44*100=10.4%

 

so anything you paid 10.4% of it was for ppi

so statint sheet time

 

 

 


..

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Two things to say;

1. I’m absolutely positive that I sent the standard DSAR template with zero mention of PPI!!!

2. Thank you for this unbelievable help, honestly, I don’t know where I’d be without you guys.

 

Just checked and I sent the standard DSAR template with absolutely no mention of PPI!!!

 

 

Forgive my nativity but doesn’t it say that the PPI, etc was cancelled after one month, but the invoice shows it was added and not cancelled?

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so they owe you

 

dx

 


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Again, please forgive my niavity but I'm struggling to work out which is correct - on one page they say they were cancelled but another shows the account and where it was added but then I can't see it taken off? 

I'm just trying to play Devil's advocate here in case it comes to court?

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they charged you for it..no sign of a refund in the statements.

quite typical of welcome of that era to remove all the vehicle related stuff as they were trying to get approval to GISC and that was one of the things spotted by the regulators ...they were to that point making gap/mec/col compulsory.

 

notice also it says insurance default..which means they were still making PPI compulsory and did so in certain geographical areas deeming it a risk area until they eventually got GISC approval when they then too removed the compulsory PPI as GISC said they couldn't do that after arguing for several years about it with the regulators .

 

its all in archive posts here from Postggi. 


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God they were swines!!!!!!

(thank you!)

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A question, if I may; when I claim for the £236.03, will I be claiming the 8% interest?

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already answered in post 7


..

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I can’t get my slow head around that 😒

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You claim section 69 interest (8%) on top of your final figure within your court claim...only a court can award 8% on top of the PPI claimed


We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

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Thank you so much. 

Is there a reason I can’t claim back the other add-ons?

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they were not charged you..they were clearly removed in the docs you posted up?


..

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I’m useless.

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Request for reimbursement then 7 day LBA?

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well get the FOS CQ and the statint int sheet done first along with a covering letter

then they have 8 weeks

you cant just jump to court no.

 

you should know all this already.....


..

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Maybe I should...but I have a hell of a lot on my plate, but thanks for the advice.

 

Re ‘should know this already’, I guess it depends on your frame of reference for ‘should’?

It’s been over eight years since I went the court route and have never made any reference to, or been part of a conversation about a ‘statint int sheet’, I don’t even know what one is.

Edited by craigten

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well that's of your doing..

prioritise things that need to get done so you don't miss PPI timelimits.

the rest can wait..


..

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2 minutes ago, dx100uk said:

well that's of your doing..

 

?? Family issues - Not of my doing.

Edited by craigten

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aha..i was going by the amount of recent threads...:lol:


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