martin i have an old associates card from before 2000 and i have noticed that i have a card protection on it £15.00 regular payment plan where do i and how do i start a claim and will it be with citi or cpp? some advice would be grateful thanks pudsey2

HI DX i have gone back to my spreadsheets and calculated a statutory comp claim and a contractual comp claim and wondered if you wouldnt mind checking them for me? regards pudsey2

dx do you know if anyone has had success with welcome reclaiming the insurances back "lifecare, homecare, medicare"? Regards pudsey2

i believe that the MIF is a charge for credit as welcome provided a loan under 25k Also if it was to protect welcome to get the shortfall if the home was repossessed then it would be a type of policy with someone who has to underwrite it ,therefore a policy should be issued. also interest is paid on the MIF for the duration of the loan and included in the charges for the loan & nowhere in the terms and conditions does it mention MIF Payments. its a fee for taking out credit as was explained to me at the time i signed the agreement and i believe at the time i had to pay these fees up front yet i also paid interest on the full amount. i wonder how many other people have been duped this way

thank you 1 question though are they not meant to add interest to the acceptance fee? and should these be claimed back seperately ie acceptance fee claim insurances claim ppi claim or can i just put them all together

hi sorry to pm you direct i am looking to claim back 4 x MIF charges over my old welcome agreements +insurances that were sold to me they also have different apr on them to add to the confusion and amount to over £2706.0 in mifs alone can you help regards pudsey2

dx is there any chance you can help me sort this mess out as i have to claim back the insurances off four different accounts and the ppi of 2 and the mifs of 4 accounts all at different rates i do have all the paperwork just need to sort out so i can either claim direct or go to court whichever is the easiest. or if you can reccomend one of the caggers to help? one last thing can i claim back the acceptance fee's? regards pudsey2

thanks for that dx i have read though the posts however is there any further updates from them regarding the mif charges regards pudsey2

thanks dx i know they have charged me 2 x MIF for the rollover do i have to have seperate claims for them and how do i go about it because on the 2 ppi claims they have already paid out i paid £1760.00 in MIF's and i have not even claimed those back. i think i will need a bit of guidance from the cag team here as i think i am a bit out of my depth. regards pudsey2

ims21 Here are the files as requestedwelcome file.pdf Regards pudsey2

sorry ims21 i have read through the documents and i am still none the wiser if i send you the form i have completed would you be so kind as to give it a look over to see if i am filling in correctly. i have electronic copies with personal details blocked out? or if any member of the forum has done this in the past would they mind helping. regards pudsey2

Hi DX thank you for the info can you tell me what i should be putting on the si sheet is it the full amount of insurance premiums advanced to the account or is it just the monthly interest on each payment on loan 1 i had 1877.91 advanced on the apr of 34.1% and a monthly interest rate of 2.00 according to the finance form provided and on loan 2 1577.71 premiums advanced with an apr of 29.3% and a monthly intrest rate of 1.85% i am a bit confused at what i should be putting on the sheet do you have any examples or pointers at what i should be filing in Many Thanks pudsey2

dx100uk Re: Welcome Finance say ppi claim is statute barred you work out the PPI PCM then use the SI spreadsheet their int rate is included in the PPI PCM you calculate dx Do you have a link to this spreadsheet? regards pudsey2

Hi i have taken out the loans with a apr of 34.1% on 1 and 29.3 on the other they alo have different monthly intrest on which is 2.0% and 1.85% respectively does this have any effect on your speadsheet as the figure i have already calulated using a cag spreadsheet that takes in to account different interest rates? also should i use the figure "insurance premiums advanced" from the statement that welcome sent me? regards pudsey2

Hi all thank you for reponding at present i have all the statements on the four account that i held and the copies of all agreements that they have provided. welcom have written letters telling me i am not elegible to claim back my ppi because they were not regilated at that time. i have complained to the fos that they are using stalling tactics and they are to invesigate further. i have contact the direct group to get copies of the insurances however it appears that they are just generic forms and policy numbers so really no further forward apart from that i have already claimed through a third party for 2 of the agreements and been paid out ppi but not insurances or MIF so if succesfull i would like to go back to them and claim all the insurance back to. the welcome staff wcfs have said i cannot claim as they are looking at cases after the date they were instructed to do after 2003 i think. can someone advise me on what to do next? many thanks pudsey2

Hi i have been a member for a while and this site has helped me claim back 2 welcome ppi claims already for which i am thankful to the site and its members for giving me the guts to claim against this firm. i still have 2 claims against welcome for a loan and a top up loan to pay the first one off they are now fully paid off however when i have gone back to welcome they were happy to repay 2 of the loans ppi but not the earlier 2 they said these are statute barred because 1 was taken out in 2001 and the other was taken out in 2002 with a final payment in 2003. i completed the original sar in feb 2007 and got some information back however by september they had still not provided me all the information so i wrote to the FOS and they have said because welcome were not regulated at the time they would not be able to help. they said to write back to them as i may be able to persue a complaint through the FOS against the underwriter. i have contacted welcome and they were not forthcoming with the underwriters name so it has taken me until now to find out who actually the underwriter is. i would like to ask the forum what can i actually claim for as the ppi alone amounts to over £7000 that is with adding the 8% from the cag loan spreadsheet. can i reclaim the following over the 2 loans from 2001/2002 Healthcare = £760.00 emergency homecare = £95.00 Mortgage indemnity fee = £946.00 your help in this matter would be greatly appreciated I think i have all the information to move forward please let me know pudsey2

I have recieved an order from the court that i wish to have a stay of execusion but dont know how to fill in correctly. Kings hill have put two claims together and are trying to get me to pay £10072.14 citi card is one of them i have a money claim outstanding for and barclaycard was the other dates aquired are (1)associates 26/7/2001 and (2)barclays 18/12/2002 i have already got the fob off letters from (1) and was about to start Data Protection Act on (2)but didnt have the account detail but thanks to the court order i now have the details required to start i need help filling in part a of the form N244 if some one can help me fill this in you will make a man going through divorce extremley happy for once. i have never seen or had any contact from kings i only saw ther name on my credit file and contacted experian who said they would look into it. (they never did or thats why they started this action) i have never recieved a claim until today when i got a copy of it from the court it states"brif detail of claim :- Monies due to the claimant for defendants use of credit facilities" together with the particulars of the claim. i have two letters ready to go in the post regarding the accounts asking for original copy of the agreements (should i post these?)

I have just managed to get my statements for the last six years after many letters and phone calls and my £10 dpa fee refunded however the credit card arm wasnt so helpfull and have not replied to the dpa request within the alloted time so i have given them 7 days sent by recorded delivery today If they dont reply do i just estimate a figure and wait for them to correct me Abbey Current account £3262.50 + interest Citibank £1805.94 + interest PS being new to this how do i work out the Interest :?

Read through a lot of the threads and have sent my second letters asking for my refund of charges to my Abbey bank account and Citibank credit card i used to have an abbey credit card but it got taken over by mbna so i have sent them both a letter of failing to comply with dpa request roll on seven days! abbey £3262.50 citibank £1805.94