Welcome Finance Investigation

[Sparklez30]

I know the FOS have had one of my complaints since the beginning of may and they haven't allocated it to anyone to look at yet but I've had 3 holding letters so I guess you can expect to wait many months!

 

The ICO just replied to a letter I sent them that was for several months earlier than the one to the FOS although I'm not sure exactly when I sent it!

[animal_lover]

Thanks, Great!!!!! I've sent the account in dispute letter so i shouldn't hear from Welcome for a while plus i'm getting my agreement checked hopefully on Tuesday when i go tothe CAB so i might not need them to get involved anyway. Thanks

[animal_lover]

Recieved letter from FOS today acknowledging my complaint. they said there having alot of complaints at the moment but willtry to contact me as soon as possible.

[postggj]

hi animal lover

if no joy with cab

ill post details of a solicitor who will check agreement for free

 

 

sorry

allready done that on a previouse post

[animal_lover]

Thanks I went on the website but there was a problem or something with it or i couldn't do it at that time i've forgotten why now but i'll have another look at it in a min.

Edited September 18, 2008 by animal_lover
Typo error

[Sparklez30]

hi animal lover

 

people who leave posts on welcome, i allways get them to request info on ppi insurances, under writing etc

 

to date welcome have never replied to this request,

typical fobb off letter

from the beginning i have allways believed these insurances are in house for max profit.

if it can be prooved that welcome are doing this, it could be the end for them.

 

i think you need to contact the Information Commissioners Office for them to order welcome to release this data

 

makes you think

 

Sorry I'm going off topic - is this not the info you want that lists Norwich Union as their insurers? It was provided to my friend as part of her SAR (although she wasn't given it originally when she signed up for the loan - sneeky!)

 

[animal_lover]

I'm not to sure but i know i've never recieved it when i signed up or in my S.A.R.

[Sparklez30]

Sorry Animal Lover my post was aimed at postggj (I said it was off topic).

 

They originally didn't send it to my friend either but after we continually (in every letter) demanded they provide all the info as requested - they sent that along with alot of other info (including info on the commission their staff got as I posted in another thread on here). Always worth reminding them in every letter that they haven't complied with your SAR request!

[animal_lover]

I've recieved a letter from the FOS today saying they are ready to look into my complaint but i needed to fill in the complaint form, Which i've now done and will post tomorrow. So fingers crossed i will hear something soon. AL

[postggj]

high sparkie

not going off topic

any chance of a link

[mejules7]

Hi,

 

sorry to intrude on this link but have a question that i hope somebody will be able to answer.

 

Have a loan with these sharks (welcome) they have it as a secured loan but the loan is in my husband married name yet the mortgage (northern rock) has never been changed from his old name.

 

Does this mean that they have a secured loan or not?

 

Any help would be greatly appreciated as stuck on NR variable rate and cant re-mortgage due to the welcome 'secured' loan.

 

Many Thanks

Julie

[animal_lover]

Hi,

 

I don't mean to sound rude but you might get more help/advice if you start your own thread. The replies might get mixed up and get the wrong information for the wrong problem.

 

I hope you sort out this problem soon,

 

Thanks AL

[postggj]

hi animal lover

just going over sparkies post and the letter posted ref ppi and who administers it

they say norwich union

when i contacted norwich union, they never heard of me

 

makes you think

[animal_lover]

I know.

 

I don't understand why there refusing to refund my PPI when they have told me that they have no information for it.

 

I haven't recieved a reply from the ICO yet, But i've sent my complaint form back to FOS so hopefully they will start looking into it now.

 

I also noticed on my recent credit file that my balance with them has gone up nearly £500 since i first made my complaint to them in May.

 

Are they real

 

AL

[postggj]

animallover

give customer service at norwich union a call

see if they have any details on you

bet they dont

 

more ammo

[animal_lover]

I'll give them a call tomorrow and i'll let you know how i get on. but we already know the answer to that.

[animal_lover]

Just Spoke to Norwich Union and she said they have nothing on Welcome and that they only deal with banks for PPI.

[bobbyh99]

Not sure if this helps but I had a WF loan which included PPI and the PPI documents I managed to keep say:

 

Steps you should take

Step1 - If you have a complaint about this insurance please contact, Direct Group Limited, Direct House, White Rose Way, Doncaster, DN4 5NU or telephone 0870 4141433.

Step2 - If you are unhappy with the decision you receive you will be advised of the next course of action you can take, or you can contact The Chief Executive, Norwich Union, PO Box 6, Dept 33, Surrey Street, Norwich, NR1 3NS.

 

BobbyH

[animal_lover]

Hi bobby,

 

That's who Welcome told me my insurance was with, It wasn't until Dipply looked on Companies House that i fould out that

 

Direct Group ADMINISTER the insurances, they don't supply them.

 

They only do the 'admin' on these policies, They do not and are not authorised to sell insurance.

 

But i suppose there would be no harm in trying.

 

Thanks

 

AL

[postggj]

hi animal lover, you are correct

direct group only administers the insurance

they then say norwich union under right the policy

but norwich union never have any details on you

 

they can hide the truth, but not for long

 

thats why any body who has insurances with welcome try to find out who under rights the policy

 

ive allways believed welcome do this them selves for max profit

i am determined to get to the truth and bring them down

[animal_lover]

am determined to get to the truth and bring them down

 

If you ever need any help with that i'm more than willing to

 

Do you think there is any point me contacting Direct Group or should i leave it and let the FOS deal with them.

[postggj]

hi animal lover

by allmeans send direct group a letter

ask them why norwich union have no details on you.

i believe direct group and welcome have a nice cosy relationship going on to screw the consumer.

[animal_lover]

I'll send them a letter then and see what they say.

 

There is definately something not right about it.

[postggj]

my dealings with welcome are in the past now.

i wish i would have known what i know now

the whole organisation is corrupt

as your dispute is still current, you can ask some very interesting questions and we can all get to the bottom of this

[animal_lover]

as your dispute is still current, you can ask some very interesting questions and we can all get to the bottom of this

 

Hi postggj,

 

Yep i have no problems with that,

 

I mean't to tell you aswell that i spoke to Stephensons about my agreement, I got told they can only look at agreements over £5,000 otherwise they don't get any funding but they advised me to get it checked at the CAB. I've got another appointment with them on Tuesday so i'll get them to check it for me them.

 

AL