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Hi All,

 

I got my statement back from welcome today and would like a bit advice please:

 

I know I can claim back for DD fees and ERC which actually is stated on the statement as a penalty, but, there is a disbursal fee of £1005.00 when I took out the loan (£7000), there was also medicare insurance of £500 that I wasn't aware of.

 

Breakdown:

Disbursal fee: £1005

Insurance Premiums Advanced: £500

Penalty Fee: £301.98 (Does not state what this is for, but it was applied when the loan was paid of early, so i assume it's ERC)

 

I wasn't aware of the Disbursal Fee ot the Insurance Premium when I took on the loan, can claim these back and what is a disbursal fee for?

 

Thanks

RBoS:(£570): *** WON *** £570 settled in full - HERE

Lloyds TSB: ** WON **

Abbey: S.A.R - sent 02/10/06, 14/11/06 statements rec'd & partial offer (30%), declined, LBA sent 26/11/06

Studio Catalogue: S.A.R - sent 02/10/06, Prelim sent 21/11/06, won £94.95 refunded.

Capital 1: S.A.R 02/10/06, off’d diff between £20 and £12, declined 21/11/06

A&L: S.A.R -02/10/06, prelim sent 21/11/06, rejected, LBA sent 26/11/06.

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bump

 

anyone help please

RBoS:(£570): *** WON *** £570 settled in full - HERE

Lloyds TSB: ** WON **

Abbey: S.A.R - sent 02/10/06, 14/11/06 statements rec'd & partial offer (30%), declined, LBA sent 26/11/06

Studio Catalogue: S.A.R - sent 02/10/06, Prelim sent 21/11/06, won £94.95 refunded.

Capital 1: S.A.R 02/10/06, off’d diff between £20 and £12, declined 21/11/06

A&L: S.A.R -02/10/06, prelim sent 21/11/06, rejected, LBA sent 26/11/06.

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did you receive all the relevant documentation from welcome.

their computer printout of account and a page entitled consumer credit act 1974 settlement.

disbursal is set up fee

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Mortgage Express charges- settled in full after issuing claim

 

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To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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