Yes unfortunatley a simple update they have our house and no defence to file did try to fight but with all other problems such as my wifes cancer and just trying to get by they won again, this forum has been good but bottom line is when you need credible advice for court it just isnt that available they have billions we have heart they keep burying our heart with cash, and those of us who do fight have very little to fall back on except our arse.

Recieved standard reply from welcome, we are looking into your complaint and will be in touch shortly, well stuff that for a game of solidiers im putting my claim in, need some advice though as my claim includes what i feel is adequate compensation for the deception and the filing of missleading information on my credit file. so any advice would be gratefully recieved

apparently secret commission to the FOS is quite legitimate what a bunch of incompetent back door deal making fraudsters they all are well i will see if theres an honest judge about to sort it

well a s=-986t response from FOS confusing the main points of my complaint and changing details to back up welcome they must be spending a fortune of thier shareholders money getting all this support from the watch dogs

Thanks again beyondhope gratefull for the help

I need to put a LBA together now and make sure all the pre action protocols are in place so as not to mess thingsa up so I could realy do with some help on this part as I have fell down on this before, fortunately it only meant re issuing my claim so please any help would be much appreciated

well no reply as expected now run the ^&*%$ in to court

And dont forget the undisclosed commission they have definately paid to themselfs as welcome elite brokers for the insurance they sold you so you should be entitled to all payments made over and above the original loan advance plus statutory 8% interest and it never hurts to request compensation for the act of fraud which is what secret commissions amounts to you would not be automatically entitled to it but they were not entitled to decieve you either.

Well decided im not going to wait another two years for the fos to plead with these idiots then decide they must be right because they are a company and mainly because the fos seem completely unaware of consumer rights, so letter sent today first class recorded if they want another kicking then ill give it them.

Thanks Beyondhope any suggestions

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I am thinking of trying this letter on them as they tend to keep me hanging around a lot what do you think. Welcome Finance Compliance Department Mere Way Ruddington Fields Business Park Ruddington Nottingham NG11 6NZ Date: 31 May 2010 Ref: Dear Sir Re: Refund of insurances and undisclosed commission. Change of address details Please note my change of address previous address was Further to my previous letter dated 30Th March 2010 in which, I accepted your cheque as part payment only of the insurance refund, and outlined my further complaint of your applying undisclosed commissions to the account, I have received no response other than your withdrawal from the court claim issued by your solicitors. I must now insist that you comply to the following in order to prevent further legal action; The payment in full of the insurances you miss sold plus interest total of £2073.57 plus the return of the unlawful fees and charges applied to the account £562 plus statutory interest from the date each was applied,. I further demand adequate compensation for the fraudulent application of undisclosed commission of £811.00 paid to Welcome elite brokers for the miss sold insurance, and the harm done to my credit rating by your inaccurate and miss representation of the account to credit reference agencies, I would consider suitable compensation to be the figure of the original advance, £6,500.00 Given all the above and the way I have been treated by your company with delaying tactics and withholding of information I will no longer wait at your pleasure to resolve this issue. I expect to receive payment from you for the full amount above totalling £9,135.57 plus statutory interest on the fees within 7 days from the date of this letter, or I will without further notice commence legal action and request full disclosure, and details of any undisclosed payments made to nectars 2000 in addition to the underwriting sheets I already have in my possession detailing the undisclosed payments made to Welcome elite brokers. I hope the above makes my position clear and I await your response. Yours Sincerely

well recieved a letter from the fos they are willing to continue looking at my complaint against welscum, so now that the pub and resturant are open I am hoping to have some time to dedicate to chasing them for what they owe me and get their lies off my credit record, will be doing them a nice letter this week, requesting repayment in full or to court with the undisclosed commission claim

well at last an update attended a hearing to continue my counterclaim against them and was told the whole case is now closed and welcome lost as they withdrew from the case but if i want to continue with my claim I have to start from scratch as i did not tick the right box even though i had filled in the form to claim the costs of the counter claim, so it starts again lol but this time I intend to do things with much more care and attention they will pay for the undisclosed commissions and unlawfull charges. So all you experts and wellwishers any advice on how to restart the saga will be most appreciated. regards jdene

Hello mrjoolz firstly dont panic they run from court cases you need to send a CPR request for the underwriting sheets which will proove secret commissions, they will ignore this but if you want you can have a copy of mine which they sent me by mistake this alone gives reasonable evidence to suspect that secret commission has been added to your account, when they ignore your requests, which they will simply use thier refusal as part of your defence and include the copy of the underwriting sheet to show evidence of this fradulent practice and request that the court orders disclosure of the documents requested, someone here will be able to give you the templates for the CPR requests and the request for disclosure to the court and believe me they will withdraw from any court action, as they did with mine, but now I wont let them withdraw as I have issued a counter claim. Hope this helps jdene

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Hi ozzy yes i understand that but they were supposed to return the account to what it would have been without the insurances added and then deducted the payments already made to give the balance but they have not done this, they have quoted the arrears including the insurances on the account. and my arrears acourding to them before any changes were under the £4k so they have added more on just to cover the £100 compensation, also they witdrew from the court case they instigated when I defended and counterclaimed so I wold contend that there are no arrears or any money owing for them to make deductions for. I am probably wrong in this but they did run for the hills when i counter claimed and that case is still on going, I have also cashed the cheque and informed the Ombudsman that I accept it as part payment only. so hope you can advise me on this one. Cheers jdene

Cheers ozzy but dont get confused the thread starts with my daughter in laws claim which is now with the ombudsman, and then goes into my problems with them. jdene

thank you pears23 post was helping but must be having trouble with the knee again

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They were supposed to return the loan to what it would be without the insurances but they have not done that, the arrears they quote are made up of all the extra charges fees and interest they added since the loan went in dispute and since they admited miss selling the insurance, can someone help me calculate what the loan would have been without the insurances and interest on the insurance, so i can get figures right for the judge.

wfspayback you seem to have the commission sheet posted above feel free to use it you need this to prove they take and pay commissions, as a judge will ask for proof.

wfspayback, I have a commission sheet you are most welcome to use though it is for the insurances, it still prooves secret commissions are the norm for welcome

Good thread I have a hearing on the 5th May for the same reasons so will be watching with interest.

Hope this is right please have a look I want to know if I can cash the cheque and send them a letter accepting it as part payment