here it is many thanks

here is the letter thank you,

they are called INVESTOR COMPENSATION,i have e mailed Legal Ombudsman PO Box 6806 Wolverhampton WV1 9WJ shall i send them a letter also? yes they are regulated by ministry of justice

they are now threating me with a court order and 8% annual interest ,any more input please

hi, i stupidly downloaded a form off the net to try to claim some ppi i thought i had paid, i sent the form off without looking at the fee , i sent details of the claim the dates, the account number, everything that they needed, meaning that they did not have to look up my account, i phoned them a few weeks later [i paid for call ]and tried to speak to someone to tell them that i had received a questioner from the loan company. no one rang me back so i filled the questioner in myself and sent it back my self [i paid for stamp] a few weeks went buy and i was offered £4.5k from company, in the meantime i got a letter from ppi company saying that i have to pay £1600 to them, but for what i did all the work! i was told that i would have a cheque in 10 to 15 days, ,i have just received a automated message to my mobile telling me to contact them[ppi company] i had to pay top ring them back and spoke to some obnoctious prat telling me to set a post dated payment for when i received payment,i told him what he could do! i know hindsight us a wonderful thing but i thought it would be a hard fight, and i really did not know that i would be charged 30% can i make a complaint because the ppi company has not done anything many thanks

hi it states in the small print on the gap waranty that it ends when the contract ends for whatever reason. the 2 forms that i had has the RAC phone numbers and account numbers. no rebate mentioned...at the moment i am paying £100 per month for waranty and gap.

i phoned the RAC WARRANTY CUSTOMER SERVICES and was told that the waranty had ceased on the 6th march 2009, i also asked about the gap ,she told me that becomes null and void when the contract ends for any reason,,WELCOME will be ringing me on the last day of this month for my normal 100 pounds..i think i should tell them to;go away in short sharp jerking movements; any thing else i need to do?

thanks so what should i ask them ;;subject acess request; i will check my warranty

hi , been on these forums a few times about the same thing over the last few years... purchased a renault espace 3 years ago used WELCOME for the finance..worst car i have ever owned [only done 4000 miles in 3 years] spent more time off road than on,,anyway VT;d it bacl last april 2009 recieved letter of welcome saying i would have to pay 1200 pounds for 2 months arears and gap and also for the warranty,made arrangments to pay 100 a month off this to i have done for last 8 months, someone called my wife to pick up the car months ago but i was in work she asked them to call again ,they did but was on holiday ,they said that they would pick up the car when they were in the area ,but never did ,the car has been on my drive for the last 11 months...right¬¬ i had a call from a lady at welcome today saying that i now owe 2000 pounds arears mmmm she said because the car was not picked up,and it was my responsibilty to keep contacting them the arears increased,,i told her that was a cracking way to make people pay ,let them vt the car ,then not pick it up and then i would have to vt it again from now and still pay the arears can they do this any help please its pending now

yes i have the agreement purchased from trade centre wales.

it was with BRITISH CREDIT TRUST /over 4 years and i had it for over a year

hello i had a car back 4 years ago and had it reposesed because i could not afford it the car was 7000 pounds i had a letter 3 years ago that it had been charged to my property..i thoght that was that .if the house was ever sold they would take the charge. i have just had a phone call from a solicitor handing the case that there has been charges acouring daily and i now owe 11000 pounds what can i do? help please

YES i have had an official letter from them telling me its been VT;D i was told that the clutch was ok because it is normal wear and tear

hey! swalec is the electricity supplier for SOUTH WALES

hello i had a problem with cash flow a few years ago and had to have a token electricity meter installed ,now i have paid all the arrears, i contacted SWALEC and they told me i would have to be debt free for six months and then be credit checked..my cash flow situation is now fine and can set up a direct debit with no problem ,,talk about ;give a dog a bad name; is there any thing i can do .... many thanks

can you have a look at the letter and other doc for me ..can i post it on here?

ok thanks i do not have PPI ,i notice that gap is classed as shortfall insurance and that was 350 pounds will have a word with them.

I vtd my car about 5 months ago but after paying more than half for it ,i still had a bill for 1200 pounds for GAP and warranty i agreed to pay 100 pounds a month [the guy from welcome phones me on the beginning of the month and i pay by debit card] but do i have to pay GAP and the warranty now i have vtd the car officially..it has been the worst car i have ever owned only done 4000 mile in 2 and a half years ,,the car is still in my drive with the clutch gone! i told welcome and they said that comes under wear and tear ??? any help please

have you had any thoughts getting desperate now cheers

cheers

can they charge for breakdown cover to the full term i going through a vt with welcome they say i owe after 2/and half years on a 4 year period gap breakdown cover 2 months arrears incurred 2 years ago when i wanted to reject this piece of junk ,i have done 3000 miles in 2 and half years... thank you

ok an update ,they still havent picked the car up,,they sent me a letter saying i owe £1.443 07 part of this is the gap and warranty on my mycredit agreement it states 650 for mechanical breakdown and 350 for gap ,on the letter they have made it £1639 and they want half that is £863.63 it also states in the mechanical breakdown and gap booklet that.. when your policy ends..the date of wich your agreement ends for whatever reason.. any help please...

hello just had letter of WELCOME after i sent them a letter surrendering my car that i have had for 27 months on 48 month hp. they want £600 for an insurance ,i did not take pip only gap can they charge you for the gap protection many thanks in advance

the £1000 was for gap and a warranty i never used can i claim for the gap?

hello i wonder if anyone can tell me if i can now surrender my vehicle [the worst car that was ever manufactured] here the details the car was £4.999 insurance credit gap and warranty £1000 total amount of credit £5.995 charge for credit with WELCOME at 16% £4.256.52 total amount payable £10.995 wow! it is over 24 months ,i pay £211.49 and have had the car for 26 months it states to terminate your rights i quote / you have the right to end this agreement.to do so .you should write to the person to who you make the payments to. they will then be entitled to return of the goods and to half the the total amount payable under this agreement that is £4.255.68 can i send the load of junk back