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jubaxt v welcome finance


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hi-i took a loan out with unwelcome in 2004 and was bullied into taking ppi-i immediately cancelled it!

 

i recently asked for a settlement figure and was quoted £3200 left on a £4000 loan-it took 4 requests to get a settlement figure and last week requested a list of charges-i have £400 in charges added ad the ppi has never been deducted even though the insurance people say it became invalid 2 days after the loan was taken.

 

the loan of £4000 is actually £4000 +£150 arrangement +£934 insurance +£1945 interest.!

 

i plan to have £400 charges refunded plus £1200+ for the cancelled ppi-wow

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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HI-Loan began on 7th sept 2004-on that day the ppi -£1285 was added into the loan total

 

bells rang in my little head and so cancelled the ppi-it is shown as cancelled on 7th sept 2004!

 

efficient staff at unwelcome never reduced my payments nor the balance to take this into account.

 

I have also been unblessed with £380 worth of charges.

 

do i just claim the charges or can i include the ppi installment somehow to reap back some interest on it-please advise-oh its also logged with the complaints team now-my grand balance is £3320 but if they take off £380 in charges and £1285 for ppi-it only leaves £1660approx-much better

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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spoken with acting branch manager today-i was right-the ppi was cancelled at loan onset but never deducted from my running total.

what would you like me to do?-asked the branch manager

 

wipe off all the charges and the ppi and we're talking-you've got til may 25th before prelim goes and i will pursue cc1 at ur favourable rate of 25.3%apr-replies i-watch this space:)

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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