fingers crossed for you tomorrow Andi! Give em hell!!

Yeah, I got a letter from DG this morning with the T+Cs and Policy payments. They said they were sending it following my contact with them. I have never contacted DG!

This week I sent a letter to Welcome saying their agreement is unenforceable (thanks to PeterBard) and I would not be paying anymore, no reply from them yet!! Can I still claim back PPI that was missold? Or does the fact the agreement is unenforceable work both ways? I feel quite bitter that I paid over £6k on something I could never claim on.

Just home from night shift and read your letter, post 2443. Thank you very much for taking the time to do this and for the advice you gave me (and others), I will get this away today and will update you on how it goes.

Hi Peter, I have arrears of £1,200 from late fees , telephone calls and letters (I was only told about these 4 weeks ago when I asked if I had any) over the past 6 years. I wrote a letter of complaint to them 2-3 weeks ago regarding the late fees, acceptance fee added on, and PPI I believe was missold. I told them I wouldn't be paying last month (£231) until I got this sorted. It wasn't sorted but when I contacted my local office to tell them, they said I had to make payments as contracted, so next week I owe them 2 months. They also have until Tuesday to comply with my SAR. If you could help me out with advice/letter I would really appreciate it because I am a bit unsure of how to continue.

Hi Post, I would love if one of you could do a letter for me (as long as it really rubs Mr Ps nose in it!!), and thanks for all the help you have given both myself and the other caggers! Every small victory helps put another nail in Cattles coffin!

Peter, you have no idea how happy and relieved you have made me!! I thought I was going to be stuck paying this for another 4 years! What should I do now? Can i ask them to clear the debt? or just stop paying citing the reason you gave me? Can I still claim back PPI I believe was missold? Thanks for your help

Hi Peter, if you are still about and have time, could you have a look over my agreement, thanks. I have signed it on a 2nd page http://i627.photobucket.com/albums/tt356/bandape/1STPAGEOFLOAN.jpg

have you had anything returned yet Mojo8? I've had an incomplete one sent twice this month! They have until Tuesday to comply, then it's 7 day notice followed by County Court! Can't wait1

That is a disgrace! In a letter of complaint I sent regarding my incomplete SAR, I also complained about 7 charges on my account in December (phone calls), a few days later I got a call from their head office saying they had reversed the £70!! Only another £10K to go now!!

Is there a max number of charges (telephone calls etc) they can add to your account in a month? Someone told me it was 2, is this true?

All i got in my SAR was a statement, docs containing contact I had with them and someone elses details about a debt management plan!. I sent them a letter and they sent sent me the exact same things again, including the other persons details! They phoned me following a second complaint letter and promised to send everything they had!

Incomplete SAR from Welcome not DG

Biddy, I have an agreement from 2003 and the PPI was with NU. Got the same email from NU the rest of you are getting so might chase DG up a bit and see what they say. Anyone got a number for them? Got an incomplete SAR and sent them a letter. They phoned me and said they would send all other Docs to me, including insurance policy(!!) and T+Cs (not holding my breath!), they have 5 days left to comply

Can anyone help me work out my monthly repayments using Loan & APR Calculator ? Everytime I try and work it out, I am coming up with a figure higher than what i am paying!!! I have counted the PPI with interest over 60 mths and worked this into 120 payments and still I am coming up over!! Please dont tell me I have under paying them!!!

Yeah they are charging me interest on the acceptance fee. Dispute it is. Thanks andie

I haven't put my case in yet. I was waiting for my SAR to be returned completed (they previously returned it with just a statement in it), should I go ahead and make a claim immediately? I have also discovered my agreement is unenforceable because they added the acceptance fee on but I am also due to make a cash payment at their office today. Should I continue to make payments?

Does this mean it's pointless putting in a claim for mis sold PPI's and late charges?

Yeah your right. I will send the letter off and let you know how it goes. Thanks again.

Thanks for answering my cry for help Post! Thats great news, I checked out the threads you gave me, very interesting reading! I think I will copy Sammy's letter (if he doesn't mind) and send it asap and see what happens! Although I would be just happy to wipe this debt out, can I claim back late charges if my monthly repayments have been too high because they added the Acceptance Fee illegally? Or is this just greedy?

Can anyone let me know if this agreement with Welcome is enforceable? The contract is on post 12 (I appear to have merged threads! sorry I'm not used to posting things yet!) Any help would be appreciated

I do hope so, the repayments are a lot each month. What does it mean that its a 'nono' adding on the acceptance fee?

Here is the rest of the contract

I signed this agreement with Welcome Finance in 2002. It was a secured loan. I sold my house in 2006 and Welcomes money didn't come out of the sale. I forgot to mention it to my solicitor and when he ran whatever checks for charges on the property, this loan did not show up. I went into Welcome to settle a week or two after the sale but I couldnt agree a settlement figure. I was given a figure of approx £13,000 and this was after paying for 4 years. I didn't realise there was £3,000+ in insurance and fees added to my loan (I did sign for these fees and insurance). I said I would continue to pay monthly. When the lady in Welcome realised I had sold my house she appeared very confused and said she wouldn't do anything about this and to just continue to pay monthly. I have been doing this, although I have had late payments and I have gathered late fees of £1,200 (since the account opened), despite at most being 3 weeks late with a payment. Since discovering this fantastic site I have realised I can do something about PPI's and am now wondering if my contract is enforceable. Any help would be greatly appreciated. I have paid over £18,000 already on this loan and still have another min of £12,00 to go.

Sorry, its all over the place! I have to practise uploading more!