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Welcome PPI - How do I go about claiming it back?

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Hello! I took out agreement in Feb 03 with Welcome Finance for £2,500. I believe I was mis-sold PPI.

I made payments for 12 months until I got into financial difficulties. After they made lots of fines to me I agreed to pay just £15 a month till it's cleared off.

How can I go about getting a statement of everything i've ever paid them? or copy of original agreement? and then how do I write to them to say their charges are unfair and they have to refund it plus the mis-sold PPI?


Many thanks to all advice offered.

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hi, all the info you need on on the forum. There are template letters to send.

Dont rush in, take a good read or you will make mistakes


Mortgage Express charges- settled in full after issuing claim



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:




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

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But because i'm now in a special payment arrangement with them I want to know if I'm entitled to claim back the fines/charges they made? and do I have to pay them £10 to see my records, SAR?

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Hello Sophes,


u r right..send them SAR and wait for statements with copy of the agreement...let us know when you receive them..



Kind regards,





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

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itsmeandonlyme (sorry for asking on your post sophes).


I am also looking to claim back PPI but dont think I have a leg to stand on after just receiving my CCAs back.


I have had 6 agreements dating back to 2002 and on the initial ones the CCA says "Optional Payment Protection Insurance" but it wasnt optional. (I have only noticed this now)


The value was £257 on one, £465 on another, £78 on another.


On my later ones this was allowed to be 0 (i.e. not taken) presumedly after they knew they were mis-selling.


As the CCAs state Optional do I have any chance of getting it back after I have signed the agreement?


thanks for your help

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