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Welcome finance - just trying to get started!


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Hi everyone,

 

I'm sorry if something like this has been answered before, but I'm trying to get started reclaiming PPI from Welcome finance and I'm not sure where to start really!

 

I have been a customer of theirs for about 6 years, and have had various loans. Each time, part way through the agreement I have had another loan and have refinanced if you like. I now have 6 payments left on what will be my final loan with them. I have taken out PPI on all of my loans.

 

I was told at the time of taking every loan, that it was compulsory. However, I have checked the agreement today and there is a bit on it which says 'You understand that PPI is voluntary and can be cancelled'.

 

My (very long winded) questions are: Will I be able to reclaim all of my charges given what it says on the agreement? And if I cancel the PPI on this existing agreement now, can I ask for a refund of what I have paid over the last 2 and a half years? I haven't made any claims on the PPI.

 

Thanks v much for your help!

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