hi any advice please.. ive started the process of claiming back ppi from welcome ...on 24th july. .had all my statements and reference no. .so didnt feel i needed a sar.. .i recieved email fro them last week saying they are investigating my complaint.. .and would be in contact. .as anyone else been successful with this company and any info how long this takes. .i know i had ppi. ...on 1 loan ..then this was settled. .and took out another ...couldnt afford the high repayments. .so they paid off this loan.. .and gave me a 3rd at a rate i could afford ..but over a longer term ...xx didnt even realise ppi was making up most of this. ...any advice is great..

thankyou for all your advice...we just waiting on his credit report to see if it updated...i understand it should have changed in ayear..am i correct..

yes..he did this voluntary..and paid the court...the order was paid in full january 2011 and has the confirmation..and satisfaction certificate...to prove this...i cant understand why they think its bankruptcy.as the bank told my husband this is the reason he was turned down for bank account...he has sent off for a latest credit report...so should be classed as satisfied..if im correct...

hi..he has never been made bankrupt..or has any dealings with an adminstrator...

just to clarify..there is nothing on his credit report saying so...he owes nothing to anyone from jan 2011..as cleared all debts..

hi can someone help..my husband obtained his credit report last year...as could not gain a bank account..he was in a voluntary admin order with local court..and now from jan 2011 ..was debt free...still could not get bank account..the lady in bank..was saying he was a undisclosed bankrupt...this in not so..never been bankrupt..and we would have known about it...lol....where have they got this info from...any help would be great...

im furious with my loans. .i cancelled the agreement within the time frame. ..so why does it take 30 days to refund. ..i emailed them. .telling them they have hold of my money for no reason. .and demand they return asap ..as i have my rent to pay. ..they emailed me back. .to say it will be refunded on 30 july. ..i emailed them back. .saying not good enough. .as i am entitled to this now. ..as i have no goods or services from them .to warrant them keeping hold of my money. ...is there anything else i should tell them...

yes..i am having my money refunded..rang them..and told them..they emailed me cancellation form..and responded saying refunded in 30 days...they are supposed to give you a date and amount they are taking it..but they didnt..so i simply rang them..and finally get my money back..

i have just noticed the same with my loans..i did go on this site...and replied..but cancelled as i didnt want to pay the 69.99 fee.as warned about this....so the payment didnt go through..i have just checked my statement..and they took it today...with no notification...am furious..

hi.if you go on equifax..it is only a year it stays on your file....

hi im in the same boat...never used the card..only 250 limit...over a year gone up to 454...im refusing to pay..as ive not purchased nothing on card..and yet have purchase interest of 12.00...suddenly a 5.40 repayment option appearing on latest statement in which i did not agree to...ive asked for a copy of my contract with signature accepting these terms....good luck with them...xxxx sorry cant be any help..but know what you mean..

hi..hve had a vanquis credit card for a year..with 250 credit limit on it...never used...but now my account stands at 450.00...latest statement had a repayment option plan payment on..which i no nothing of this...i spoke to them a month ago when the account was at 320.00 to say i had my hours cut at work..and cannot afford much...they said they would freeze the account for 3 months..if i could pay 60.00...i could not and told them i could only afford 20.00...which they would not accept..all the balance is from late payment charges...repayment fees...ppi..which i did not want...im getting 10 phone calls a day..text messages...on my mobile and home phone...i dont know what to do..now im receiving letters from impact as well....any help...thankyou

hi all new here ..started claim for 1000 charges 17th april ..got reply back 19th april stating they will investigate ..gave them 2 weeks then sent letter 2 giving them 14 days or i will start court proceedings. .decided to harrass them so after 40 min on hold spoke to lady at nat west. .who has said they have 40 days to respond. ..this takes it to 14th june. ..she gave me that date when i will hear...any help will be appriciated...