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

[dx100uk]

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.

 

[dx100uk]

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.

[dx100uk]

bang shot yourself in the foot

why did you mention PPI in the sar request?

 

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

 

 

 

[dx100uk]

so they owe you

 

dx

 

[dx100uk]

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. 

[dx100uk]

already answered in post 7

[dx100uk]

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

[dx100uk]

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.....

[dx100uk]

well that's of your doing..

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

the rest can wait..

[dx100uk]

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

[dx100uk]

doesn't matter

[dx100uk]

ok financial institutions..ppi regardless 

[dx100uk]

PPI is to protect incase you cant repay the finance they gave you..

 

 

[dx100uk]

what do welcome provide that needs ppi cover?

 

 

[dx100uk]

ofcourse it does..as do any PPI claims...

welcome provided finance [credit]

the PPI protected that.

so why aren't they a financial institution??

ofcourse they are...

[dx100uk]

just get a claim into aviva use their ppi link on their site??

just register the claim that's all.

 

[dx100uk]

haven't said that.

its all part of the PPI

but get the claim in!!

 

bolt on the rest later.

 

 

[dx100uk]

No use the fos cq

[dx100uk]

barest of info

and don't do a scatter gun of reasons why it was missold.

just the main reason.

as said earlier the finer points can be introduced as the claim progresses.

 

 

[dx100uk]

Even in their t&c's was it not?

[dx100uk]

or

on their statement it says they cancelled all the extras as remember I complainted

however ..i've just discovered via an sar they didn't..cough up please

[dx100uk]

Open

[dx100uk]

as in post 1.. Aviva as did welcome... are wrongly assuming you are trying to reclaim the hidden commission they got paid for selling the PPI under a Plevin Claim.

 

you are not ...you are reclaiming the monthly PPI portion of your payments made to welcome that you paid under the agreement that they paid their insurance underwrites that eventually became part of Aviva.

 

your mistake was i believe forwarding on this 'welcome PDF' you indicate when no-one said to do that, just the FOS CQ and a copy of your Statint sheet.

 

Posted August 31, 2019 · IP 

Update:

Upon sending my complaint and Welcome PDFs to Aviva, they sent the following email:

 

 

[dx100uk]

On 27/06/2019 at 01:43, dx100uk said:

bang shot yourself in the foot

why did you mention PPI in the sar request?

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

unravelling the crap in the letter

it looks like you 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 

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

ppi/loan*100=ppi%

236.03/2269.44*100=10.4%

anything you paid 10.4% of it was for ppi

statint sheet time

 

 

[dx100uk]

Open