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Hello All.

 

I'll get straight to the point. I believe my OH was mis-sold PPI insurance recently when taking out a loan from Welcome Finance. Yes, I also advised her against taking out the loan, but you know women :p

 

Anyway, I sent the following templated letter from over on the MSE forums in order to request a refund:-

 

--

In respect of the above account which was opened 30th October 2006, I was told that payment protection insurance(PPI) was a necessary part of the application, even when I informed you that it was not required by my-self, and that I would not be covered by most of the policies clauses.

 

 

Therefore on this basis, I believe that the PPI was miss sold to myself by your company.

 

I am now formally writing to cancel this insurance.

 

Furthermore In view of the way I was miss-sold the insurance, I am hereby giving you 14 days notice to refund the whole of the premium paid forthwith.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I consider that your representations that the PPI plan was required and reasonable were deceptive, and as such I was deceived into agreeing to pay the insurance.

 

For the avoidance of doubt if in 14 days I have not received a full refund, I will consider to issue a claim against you with the county courts and I will immediately lodge a complaint with the Financial Services Authority.

 

You will be aware of the recent government intervention on this matter informing the FSA and OFT to make significant changes to the manner in which personal payment protection is sold.

 

Yours Faithfully

 

XXXXXXXXX

--

 

Now that was sent on the 27th December and we have had no reply to the letter. What action should I now be looking at taking?

 

Is there a LBA letter for this sort of thing, similar to the bank charges?

 

If it was my loan, I would be willing to go to Court to reclaim the PPI. I assume you can do this after reading through some posts on here and MSE.

 

But with it being my OH, she may not want to follow this all the way through.

 

I'd appreciate any advice.

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Thank you for the reply.

 

The letter was sent via Recorded Delivery to their local branch/office where my OH originally signed the contract etc.

 

Do you think I should send a copy of the original letter to their Headoffice?

 

Any particular department? Complaints?

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You need to send the letter recorded to the Compliance Dept at head office at Ruddington. No real point in sending anything to the local offices, they often appear next to useless. We are going thru exactly the same thing. Managed to get some of the premium refunded pro rata and about to chase the rest thru the courts.

They will deny wrongdoing at every turn, so be prepared! :)

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Hello SQX:)) My complaint letter is ready as well:)) Are u using this address?Welcome Finance

Compliance Dept

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6NZ

 

Thank you

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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The compliance departments generally deal with SAR under the data protection act.

 

I would write to the Chief Executive at their Head office address..

  • Haha 1

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 2 weeks later...
Thank you for the reply.

 

The letter was sent via Recorded Delivery to their local branch/office where my OH originally signed the contract etc.

 

Do you think I should send a copy of the original letter to their Headoffice?

 

Any particular department? Complaints?

 

Hello SQX:)

 

How is it going? Any news from WF? Any results?:-)

Carphone Warehouse WON £195.00

Welcome Finance in Court. N244 accepted.

Barclaycard WON with contractual, PPI and charges for time spent and letters sent

Halifax solo, switch, Credit Classic, Halifax one Itsme Vs Halifax 2 accounts

Creation Finance Prelim received offer of £79.88.... Itsme VS Creation Finance

Vodafone overcharged Vodafon.. anything that could be done?

 

U know where the scales r:)))))

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