cheers,don't wanna hijack this tread.

what you mean by that dx100uk???????.as thats what they pretty much said to me.

yeah,that's what my thoughts were.will get letter wrote out tonight and post 1st thing in the morning. there was no penalty charges between 2007 and 2009 just interest kept mounting up.surely there should have been some charges showing on the account,if they were trying to get there money back like lawyers letters or something???? thanks for all your help buddy

thanks dx for the input, will have a letter drafted up for this tonight. i already have the SAR and they said on it that it was a write off in 2009. they have a statement in my account that they sent to an old address in 2009 but the flat was demolished in 2008. the only thing that i can think of, on what they have done is when they gave us the settlement figure to pay the loan off (which we thought we had) they have not written off the rebate and it has gather interest from 2007 till 2009. as there was a LOT of interest charges during this time. they say they are taking the £900 to offset a LIVE loan. (which we don't have with them.) COMPANY IN QUESTION IS BLACK HORSE

no one any idea's on the above situation please,or will i just need to collect what i'm given and be done with it????????

hi all, looking for a bit more help if you don't mind,as am not quite sure what to do about an offer i got??. took out a home owner loan against house in 2005 and when we had sold the house we thought we had paid off the debt in full as they had lifted the loan off the house in order for us to sell it, after claiming back the ppi the company have said we still owe them nearly £900 which will be coming off the balance. what i don't quite get is, we haven't heard anything from them since we sold the house in 2007. can they still take this from us?????, would this be classed as statue barred as i live in scotland and it's past 5 years????. just don't know what to do about it, any help would be much appreciated. thanks

thanks for your help, i'll post what i posted to welcome,to the fscs and we'll see what kind of response we get from them.if no joy i'll just get the fos involve companies like this,that dish out fob off letters should be getting their knuckles wrapped.if you think about it they are trying to con you again.you would think once was enough

don't think the dealer is there now.i'll send off another letter to welcome first and see what they say.looking at my SAR there is a part that say's highway insurance with a reference no.i take it this would be the insurance provider i like the way they say that sales of the insurance was the responsibility of the insurance provider but they were the 1's that collected the money every month and not highway insurance i don't plan on giving up just yet, as this amounts to over £3000. would it be better to send my fos questionaire to the fscs, as i just sent it into welcome there selfs

sorry,it was car finance took out at a dealers.

yeah sent them the fos questionaire with a covering letter.they say that this is there final response on the matter. so what's next??????.send the fos what i had sent welcome or will i write to welcome again????.

hi all, in need of a bit of help please if you can. i took out a car loan with welcome in 2001 and paid it off in 2006 .i tried to claim the ppi on it but i got a letter through this morning saying that they are rejecting it because it is outside the relevant time limits. they also say that ,the rules of their regulator (financial conduct authority-FCA) state that where a complaint relates to an event that took place before february 2003 they are not required to investigate my complaint and sales of insurance made before this date were the responsibility of the insurance provider and not the broker who sold it is this correct?????? and what are my next options??????? .any help would be greatly appreciated thanks

cool,will do buddy. thanks

thanks for the reply buddy.just wasn't sure if i could voluntary terminate it due to it not quite being half.think there will be about £600 short.do you think they may do a payment plan for the outstanding debt????? or do i have to pay all this off,when i get them to pick the car up???. downloading the letter now and will be posted 1st thing in the morning.this maybe 1 weight off the shoulders now.just got the rest of the debt to get sorted. big thanks

hi all, bit of info needed please if you can help.i'm trying at the moment to get my finances in order as i have just been told that i will be changing shifts at work and will be losing a small fortune in salary. i have a car that i would like to try and hand back as i'm paying nearly £180 a month for i have paid 16 months into a 39 month contract and i know you can hand the car back at 50% ,which i just fall short of. What i want to know is want are my options on this am i better to try and voluntary terminate it (what would happen) or am i better to voluntary surrender it (what would happen)the car is in negative equity and at this point my credit rating is this least of my worries any help would be great as i'm at my wits ends to try and get my outgoings down to try and make up my salary. thanks

cool,knew it would be different from my actual form but was just want to see 1 filled in so i can get a rough idea what it should look like done. thanks for the help anyway buddy.will try and give it my best shot

has any 1 got a photocopy of a completed (filled in) FOS questionaire so that i can copy from it,as i'm not to good at filling in forms and things.it would be a massive help if you have. thanks

thanks will do that then.was just thinking on postage of 6 of they questionaires ha ha.

hi all. just a simple quick question need answered please if you can????.what's best for starting a ppi claim?????.sending 1 of those ppi template letter's or sending in a FOS questionaire. thanks

thanks.yes her ill health was but because no diagnosis has been given, lawyer very reluctant to take case on now.she was in the process of going private (through work)to get sorted and find out once and for all, as this has been going on for a year and and a half now.but can't as they have dissmissed her now.so frustrating.

quick question need answered people. partner employed for 49 weeks, dismissed for time off (ill health).been given 4 weeks payment in leiu of notice.would the 4 weeks notice take her over the year for unfair dismissal or will her empolyment be terminated on her 49th week and the 4 weeks just to pay her off.look all over the web and can't find and definate answer on this one.

Thanks Becky

Hi Becky Thanks for the reply She was fine before the dismissal but is feeling rather low and worthless now and doesn't want to be out of work. She's more concerned about the benefits she's lost out on. She had private health care, critical illness and payment protection till 65. She's worried now that even if she gets new employment she will have lost out on these as no new insurer will cover her for an illness/condition that she currently has. Is she right, any thoughts???

Thanks for the replies. It just doesn't seem fair that they only gave her 2.5 working days notice of the dismissal hearing and they have had over 2 weeks now and don't seem in any great hurry to progress anything. I've read that the tribunal will expect her to be looking for work, the problem is that she's been advised not to at present by GP as she needs to see consultant first. She did have a app with private clinic before she was dismissed but has lost this benefit. Any advise on whither this will affect her case or not?? Thanks in advance

thanks,doesn't say much in the handbook apart from a reasonable time scale and time is kind of running out for the 3 months period of submitting an et1 form,also she hasn't had a wage for almost 4 weeks and she can't go looking for other jobs just incase they decide to give her her job back.which is highly unlikely right enough.

hi folks, as the title say's.what would be a reasonable time scale to wait to hear an answer on a dissmissal appeal.after having her meeting my partner has waited almost 2 and a half weeks for an answer and was told it would be well into next week before she hears anything as they are still investigating.do you think they are taking her seriously????, do you think they are just given her the run around???. thanks in advance for any answers recieved.