Letter Unresolved Issue 1: Section 7 – Data Protection Act 1998 You recently failed to fully comply with my Data Protection Act Subject Access Request dated 18/11/2008. Please read the following carefully. "Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me, including correspondence to the underwriter of any insurance policies and details of the relevant Insurance Premium Tax (IPT) payable on any single premium policies. Please ensure this includes how much tax was payable, who payment was made to and the date of this payment." As it appears you may not have understood my original request I suggest you pass this to your data protection officer to ensure you correctly action it this time. I have paid the maximum statutory fee of £10 to obtain this information and as these funds have cleared you are legally obliged to comply with Section 7. Unresolved Issue 2: The miss-selling of my PPI I believe that I was miss sold PPI as your sales representative did not state that PPI was optional. I did not understand PPI and was not informed that it was optional at the time. Your salesperson stated / implied that taking out the policy was essential for me to get the associated credit. I believe we could settle this by you providing me with the transcript of the original phone call where I agreed to the loan. Unfortunately you have not supplied me with this information yet or the other information stated in "Unresolved Issue 1" at the beginning of this letter. What I Require From You As there are 2 equally important matters here which remain unresolved you have 14 days (from the date of receipt of this letter) to respond with both; 1) The missing data as outlined in "Unresolved Issue 1" and 2) The full transcript of my original call where I agreed to the loan. After this 14 day period no further correspondence will be entered into and I will be seeking an order for the release of this data. I look forward to your response.

I can back wintermare on the fact that something seems to defiantly be going on with welcome at the moment, I am trying to claim my PPI back and just before Christmas they sent me a final letter stating they are not doing anything about it, sent this further letter before action but no response from them. My friend recently got a job at a debt management company and he brought welcome's name up in conversation and his manager said have you heard they are no longer providing loans At least if no one gets anywhere with their claims at least these **** will not be in business anymore to screw with any more unfortunate victims.

I hear you

God welcome really annoy me, they are still at it. I'm sure like postggj says they don't even take out policys for their loans. I believe they use someone called "Direct Group" who administers there PPI policys. Mark

joolzh13 I hear your concerns, I only opened this account as a secondary bank account to manage my food and petrol. The thing is I put a certain amount of money in the account and spent every other day and kept an eye on my available balance online until it was say £5 then stopped using it. Unfortunatly Halifax have a really sneeky way of holding back card payments that they have authorised until you spend more money off the available balance and then WAM!! they apply them to your account so they can make money. Fortunatly I will probably be able to pay the £133 until I get the claim sorted but I feel for the low income people that they seem to pray on time and time again. Can anyone tell me if they have put the charges claim on hold until based on a court hearing or are people still starting new claims? Mark

Hello everyone I am really anoyed today as I have received a letter from the Haifax for 3 paid item fees each £35 and obviously the unauthorised O/D fee of £25. I keep this account in check 100% and check the available balance evryday on the internet, how can Halifax get away with this £133 for letter the card authorise even though no money was in the account The way I see it bank charges are unavoidable, what is the point of even having a bank account you may aswell carry cash around with you to be sure some leech doesn't try and make any possible money they can out of you. What the deal now I won with halifax last year, has things changed? Can you still claim charges back etc. I guess I need to pay the charges first and then close the account and start the claim before they spiral out of control thanks Mark

ok I will send the letter tomorrow, so I just need to thank them for their letter and send a copy of the same letter they sent me? Also I need to include just this paragraph and that's it? "Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me, including correspondence to the underwriter of any insurance policies and details of the relevant Insurance Premium Tax (IPT) payable on any single premium policies. Please ensure this includes how much tax was payable, who payment was made to and the date of this payment. " Mark

Should I still send them a letter even though I only sent the LBA last week on the 10/12/2008. This was a response to my first letter dated 19Nov which they ignored and now they decide to reply probably after they have received the LBA the other day. I just don't want to get off track here, can I not use the normal route that all other PPI claiments use, or does that not seem to work with welcome? Mark

what are caggers? sorry if this sounds I bit thick I'm new to all this. Is it really worth batteling them, I don't really want to go to court as if they win and I have to pay their legal fees I would be really pi**ed off!!

Oh I know tell me about it, they just don't seem to think they are doing anything wrong. Has anybody successfully claimed PPI back from them on this forum?

Hi everyone I have recieved a letter from welcome finance. Letter extracts "I enclose the credit agreement signed by you at the time of taking the secured load agreement. This shows the insurance purchased, namely payment protection insurance (PPI) and the fact it is optional." "At the time of inception of this agreement, Direct Group Ltd, the administrators of the insurance policy, would have sent a Policy schedule and additional information to you." This never happened and I'm sure I never heard from these "I would like to take this opportunity to draw your attention to the fact that the credit agreement XXXXX was executed correctly on XXXX 2004. In view of the date on which this agreement was executed, I would like to make reference to the compulsory legislation we have complied with at the time in question" The letter goes on to say some stuff about the consumer credit act. "On 27th February 2003, Welcome Finance Service Ltd became a member of the voluntary code of conduct know as the General Insurance standards council (GISC) etc etc" "Welcome finance have been authorised to advise and arrange insurance products by the FSA" Yikes!! "You have alleged mis-selling may have occurred. This would involve the sale of a policy or policies that was/were not relevant to the person insured, or on which they were unable to claim. Based on our Knowledge of the legislation in force at the time of your application, no prescriptive advice and recommendation process existed within the industy of the nature that now exists. As such, the principles you seek to rely on did not exist at the time of application. As a result, I am unable to concur that mis-selling took place" So I take it from this paragraph they are saying that when the policy was taken the new legislation was not in force so that makes it ok to mis-sell PPI to me "In your letter you have stated that you have paid a single premium policy and did not see your loan through to the end as you paid your loan early. After reviewing your records, I can see that you recieved a PPI rebate of £634 on XXX 2006. This figure was deducted from your settlement figure that you had to pay." This is a load of nonsense in my opinion, I still cannot get my head around this calculation to this day I hope someone can enlighten me(see orginal post for details) "Should you remain dissatisfied with our final response, you can escalate your complaint to the financial ombudsman" "If you should decide to refer your complaint to the Financial Ombudsman Service (FOS), should the sale of this policy have occurred prior to our registration with the GISC or FSA, we would request your complaint to be dismissed under the FOS rule DISP 3.3.1 (3) R based on the information given above" This letter has made me even more determined to expose this orginisation, even if don't get any money back for my mis-sold PPI, I would like other potential victims to be aware of what they are capable of. :-|

Posted LBA today recorded. 7 days to go Merry christmas welcome

Ok thanks for the advice Postggj, I will get both letters sent off asap. Will update when I receive any correspondence.

Welcome provided me with next to no information of who the company was who looked after my insurance at the time. From memory I remember a name called Direct Group I think but can't be sure! Postggj - What am I looking for them to include in the Subject Access Request regarding insurance so I can double check that they have not included it before sending the second letter. As I said in my previous post all they sent to me in the sars was a bunch of statements, letters and Telephone conversations and the signed copy of the credit agreement

Hi Sorry the keep pestering but does anyone know the next steps I need to take. Thanks