Hi SOW Just a quick question, I sent off the first email of 2 with ref to my complaint on many issues I have found since receiving the SAR and the handling of my accounts with welcome and after a while finally got an email back to say that they have received email and today I have received a questionnaire to complete about my complaint. Did you receive a questionnaire to fill in after you sent your email, or did you just get an offer? Dont know what they want me to put on a questionnaire that I did not hghlight in my email Thanx

Hi I have been on there website and the email on there is the one I have sent the complaint to. Looks like they are just ignoring it I will give them another 24hrs then just revert back to writing to them

Hi I meant is it underwritten by a seperate company to Welcome as the agents get commission for selling it. I know it is Welcome who I pay the PPI payments too Thanx

Just a quick question Who is the PPI with that Welcome make us have on our loan? I have had thousands of pounds added on to many of my loans and was just wondering what company it is set up with as there is no record of them anywhere in the docs I have received from my SAR If anyone knows and could let me know that would be great Thanx

Hi I am currently going through a complaint with Welcome and have tried to email them but have had no response from them. I emailed them 3 days ago asking for them to acknowledge receipt of the email within 48hrs. They have not done this. I have emailed the address one of the other members of this forum used and also the email that the lady at HO said to contact them on. Does anyone else have any other email addresses I can use to get in touch with them? Thanx

Hi I just wanted to ask a quick question as was not aware I could claim back late charges andI am now finished my agreements with BH. What letter should I send and what should it say, will i need to ask for agreements or something first to see how many late charges I had before i can claim? Thanks for your help in advance

Another question please: If I am supposed to have received a rebate from welcome from ppi when i close one loan and take a new one, where would I expect to find proof of this? Just want to get all my facts together before i finish my letter back to them Thanks

i certainly will be getting in touch with them and asking for an explanation just needed to know first if this is normal and wondered if anyone could help me word a letter to them about it, but might just send them copies of what they have sent me with the call notes on and the statement and get them to explain the thieving buggers!

Hiya Still going through my SAR docs and getting everything in order but wanted to ask the experts on here a quick question about something I have found on the docs that is concerning me. I sold my house in Aug 2005 and my solicitors sent them check paying off the account as per their settlement fig which welcome received 19th Aug 2005. This has been recorded on my accounts notes. However i have just noticed also on the collection notes the following: Contact date Diary date 04/09/06 04/09/09 Comments Settled account Contact Date Diary Date 05/09/05 19/09/05 Comments - Ref to prev, d/d stopped, received cheque need to apply this month Contact Date Diary Date 01/09/05 05/09/05 Comments - Stop d/d today, worked from bounced but think canc any way. Already in process when I reviewed account Contact Date Diary Date 31/08/05 12/09/05 Comments - Ref to prev apply this mth, need to stop d/d on acc Contact Date 22/08/05 Comments - Rec chq from wright and morton sols DATED 19/8 now what concerns me is why is it another YEAR (04/09/06) after they receive cheque that they close account and why are the diary entries for settling account down as 2009 some 4 yrs later. what have they been doing? Also on my statement of account for this acount it shows interest and another debit on my account a month after they received the cheque so they have kept the cheque added on extra charges and interest and then credited my account a month later and it shows a closing balance of £2108.94 so makes it look as if account not even cleared. what can i do? Thanks in advance if anyone can shed some light

Tam they were taking money to pay off arrears wish t was enough to pay off the loan Think i will be paying that back long beyond the grave!! ha

Anyone??? Am I making any sense??

Hi Tam I have been on the phone earlier today regarding my letter i received from welcome and similar to you have realised that the offer does not match the figs of compo they stated i am due. I do have arrears to come off but the figs are still way out. I spoke to a lady on the brideshead team number and she was really helpful, she said that she got a manager to check and can also see the figs don't match she said that she was going to pass it on to be escalated to get someone else to look into it and see whats its all about. I have to ring them back on Weds. Perhaps you could give them a ring and explain your situation to them also. Just thought i would let you know, hope it helps

I have received docs back from SAR request which I am going through One of issues I had was that during making a PPI claim i was told that I had a rebate when my loan was re-written and PPI taken off I disputed this as i had no evidence of this on any statements or agreement but got no where anyway since then i have been told by HO that rewrite was incorrect as PPI interest from previous loan was added on to the rewrite and they have advised they will amend and lower payments to be correct This was fine but also also provided evidence that i did not get the rebate of £2199.35 they stated when the old loan was closed Now going through my statements from the SAR i have checked the old loan before rewite was done and seen that there was no rebate of the amount they claimed but only a credit adj of £365.80. So I think i can now pursue claiming back the rest of the PPI that they owe me, could this be the case? Also another question I have just gone through call notes they sent me about the rewrite and it states that they are rewriting loan at 0.65 x 180 for £20466, but this is not the case I have now just worked out that the amount of credit of my agreement is........in fact....that amount (20466) PLUS the so called credit adj (365.80) they should have paid back off the account ADDED back on to the rewrite and the interest rate is higher than what they stated and it is over 190 months. Do I have a case against claiming back the full amount of the PPI they have been with holding and how would I word my argument back to them All advise help anything much appreciated

Just checking through statements now to do spreadsheet for claiming back fees etc and was wondering, can we claim back mortgage indemnity fees?

i have never of that but thinking on they must do as they add the fee onto the overall balance which accumulates interest. if they do that is totally wrong but i bet they do anything to line their pockets further. Hopefully one of the experts will advise