Many Thanks for this, i will be posting them both today, I have had dealing with Welcome going back to 2003, but I do think this falls within the 6 years, although I do have the original paperwork for that on. Will be back I am sure once I have all the paperwork. Thanks again Zeddy

Hi Just looking for some advice, firstly I have been mis-sold ppi on two account with Welcome datiing back to 2007 The first was ppi for £2746 term was for 60 months in the 18th May 2007 - this was settled in 18th Oct 2007 and an new ppi taken for £3437 again term was for 60 months this was was paid for 12 months before being settled, the interest rate I was paying was 19.9% I am completely baffled as to how to calculate the claim, Also do I go straight to Welcome, or via the FSCS Many Thanks in Advance

Many thanks, i will send the lba this morning,

HI I wondering if anyone can help me, i have been dealing with welcomne for a number of years, and had made the mistake of reloaning with them on a number of occasions, i know that on some of those occasions they said i had to take out the ppi, not on the current one as i said my job pays me if i am ill for up to a year. anyway i am sure that of some of the other loans i was missold and fees were through the roof, how do i go about getting all of the information they hold about previous loans etc many thanks

Hi I am trying to reclaim the charges for my partner, the charges amount to just short of £3K and we have decided only to goes for charges not the interest of overdraft chareges, however sent a letter to lloyds in march, recieved a letter back from the customer service recovery centre then nothing since then, do i need to send another prelimary letter or just the lba? I have to do the work as my partner is able to do this for himself atm. thanks for any help

Many Thanks for everybody words of support , and all the help from Ell, everything went well, the GE solictor was fine, and was surprised that it was in court for a small amount, in front of judge for all of 5 minutes, have a SOP for the CMA +120, Again many thanks, i felt much better going in there this morning with the help from yesterday ZeddyBear

Many Thanks for everybody words of support , and all the help from Ell, everything went well, the GE solictor was fine, and was surprised that it was in court for a small amount, in front of judge for all of 5 minutes, have a SOP for the CMA +120, Again many thanks, i felt much better going in there this morning with the help from yesterday ZeddyBear

Many many thanks for your help tonight, it has certainly put me in a better position than i was a couple of hours ago, i will let you know the outcome tomorrow, thank you all again

Many many thanks for your help tonight, it has certainly put me in a better position than i was a couple of hours ago, i will let you know the outcome tomorrow, thank you all again

Ok have completed the Personal Budget Sheet, still not sure where to put HP stuff, as dont have arrears on it,

Ok have completed the Personal Budget Sheet, still not sure where to put HP stuff, as dont have arrears on it,

hi on step 4 of the form, should i put the arrears as stated and then the off ? also i have a HP argreement, for furniture do i put this in step 6

hi on step 4 of the form, should i put the arrears as stated and then the off ? also i have a HP argreement, for furniture do i put this in step 6

payslip not really a problem, worked for the same place for 5 years. bur dont have july and Aug, but can get print out of payments into bank

payslip not really a problem, worked for the same place for 5 years. bur dont have july and Aug, but can get print out of payments into bank