welcome finance and ppi **WON**

[karen654321]

Hiya still looking through poc of other users. Still cant find one. Could someone just clarify that i would do the claim in charges seperately from the mis sold ppi?

Its only i have had another letter today from the fos asking for more info so i know they are hopfully now dealing with this. So i dont know whether i should now wait and see what the outcome of the mis sold ppi is going to be or just press ahead with reclaiming the charges.

 

We have asked wcf to tell us exactly what each charge is for. We have asked over the phone and sent it in writing recorded. No response.

 

Im really worried that the fos is going to come back to us and say prove it was mis sold because at the end of the day its our word against theres i suppose.

 

This is so confusing. Its the first thing i think of in the morning and last thing at night.

 

If it wasnt for this site i would have never ever realised that ppi doesnt have to be taken out to get the loan. Also it was only reading through other peoples threads that have had loads of charges made us do the sar which showed we had all these charges. We were completely unaware of these.

 

Its scary really we could have got to what we thought was the last payment on our loan and still had throusand in charges left to pay.

 

will keep you posted

[fergal71]

if it is welcomes word against ours , then we should all come together and show FOS that it is no coincidence they have done it to so many.... maybe list of names with agreement numbers or something similar sent to fos as a blanket for them to investigate welcomes practices....

 

reidnet would be my choice or hell has no fury!!!!

[dollies01]

Good thinking Fergal!

I'd be in it for sure

[karen654321]

Yes i would definately but how would we go about getting a list made up?

[TheAnalyst]

Count me in any list for missold PPI be welcome, they have had me twice!

[karen654321]

Hiya, Right ive had my final response from welcome regarding the charges. Still no list of what they are all for just shows on my statements as charges. Ranging from £5 to £100. Ive requested a list of what they are and a breakdown of how they are made up. Never receieved this info.

 

I sent them another lette giving them 14 days to provide this. Still no word from them.

 

The fos is dealing with the mis sold ppi so should i contact them about these charges or start a claim through the courts?

 

If i start a claim through the courts i still cant find a poc for the claim form. Been looking for ages.

 

any help would be appreciated

 

karen

[TheAnalyst]

Karen, what was their final response on the charges issue?

[hellhasnofury]

Hiya, Right ive had my final response from welcome regarding the charges. Still no list of what they are all for just shows on my statements as charges. Ranging from £5 to £100. Ive requested a list of what they are and a breakdown of how they are made up. Never receieved this info.

 

I sent them another lette giving them 14 days to provide this. Still no word from them.

 

The fos is dealing with the mis sold ppi so should i contact them about these charges or start a claim through the courts?

 

If i start a claim through the courts i still cant find a poc for the claim form. Been looking for ages.

 

any help would be appreciated

 

karen

 

Hello Karen,

 

If the fos is dealing with the mis-selling of the ppi, then you must be patient and wait to hear the outcome, it can take up to 8weeks, if you get no joy from them, then you need to issue a court claim using the N1 hard form copy. You will find it in the bank template letters on the front page. Have a look at Phatrum link for a poc.

 

Egg Credit Card Ppi May give you an idea.

 

As for the charges that they will not give you a breakdown on, if this was part of the SAR, then you must send them an non-compliance letter and then if they do not respond, you must report them to the Information Comissioner's Office and file a claim at court. Also do these charges as a seperate claim,

[Spurs9]

Dear Hellhas, sorry to jump in on this thread. I have pm'd you and reidnet asking for your advice; start of my thread is:

Lloy dsTSB-RENEGE on their initial PPI Refund offer

 

Again, sorry to hijack this thread.

 

Spurs9

[hellhasnofury]

Dear Hellhas, sorry to jump in on this thread. I have pm'd you and reidnet asking for your advice; start of my thread is:

Lloy dsTSB-RENEGE on their initial PPI Refund offer

 

Again, sorry to hijack this thread.

 

Spurs9

 

Hello spurs,

 

Just pm'ed you:D

[karen654321]

Hiya thanks for advice.

Ive sent the details of the mis sold ppi to fos. I havent contacted the fos about all the charges they have been adding (sorry if i made it confusing above).

Had a letter last week stating that they believe these charges to be fair and inline with there costs.

We did send a sar and thats why we got the statements. We sent a non compliance which was our first request for the breakdown and what each charge was for. Never receieved nothing back.

 

thanks

 

karen

[Gogivit]

Can I but in here,

 

I was looking at an old copy I had with Welcome Finance and I see they charged me £353.25 for PPI.

 

Thieving bum bags

[karen654321]

Hiya thanks for that. Is it worth contacting the fos about all the charges?

 

I have sent them the complaint regarding the mis sold ppi.

 

thanks

 

karen

[karen654321]

bump

[karen654321]

Hiya can someone let me know if its worth contacting the fos about all the charges that they have failed to let me know what they are for. The fos are already looking into mis selling ppi.

 

Or should i just start a mcol. I need help!!!!!

 

Keep going on to the mcol but i just havent got the knowledge to fill in a poc regarding these charges. Any help would be really really appreciated..

 

karen

[hellhasnofury]

Hiya can someone let me know if its worth contacting the fos about all the charges that they have failed to let me know what they are for. The fos are already looking into mis selling ppi.

 

Or should i just start a mcol. I need help!!!!!

 

Keep going on to the mcol but i just havent got the knowledge to fill in a poc regarding these charges. Any help would be really really appreciated..

 

karen

 

Hello Karen.

 

Can you post up of the thread the amount the charges where and what was the codes that where used.

[karen654321]

Hiya thanks for the reply. There are no codes at all.

 

On the statement they sent its just loads of £5, £10 some £20, £100 also. The total when we originally got the statements was over £500 but i presume its a lot higher now.

 

thanks

 

karen

[karen654321]

bump

[itsmeandonlyme]

Karen, all the charges you have on your account including recent ones, you will get back...whatever the reason. WF was not allowed to apply them to your account in a first place...so stick to your time schedule..

[karen654321]

Thank you very much for reply. So where do i go from here. Ive sent prelim letter and lba. Ive requested info for what each charge is for.. Thats never come. So i presume next is court but how do i start court when i dont know what the charges are for?

 

Im a little confused.

 

karen

[hellhasnofury]

Thank you very much for reply. So where do i go from here. Ive sent prelim letter and lba. Ive requested info for what each charge is for.. Thats never come. So i presume next is court but how do i start court when i dont know what the charges are for?

 

Im a little confused.

 

karen

Hello Karen

 

Yes the next step is court. I understand what you mean about not knowing what to put down for charges. Can you post the breakdown of the information for us to see, might give us a clue. Maybe send a letter to them requesting that they comply to your request for a breakdown of the charges and the reason they were applied. Tell them they are failing to disclose information to you and you will repost them to the enforcement authorities. Worth a shot. If it comes to court you can request this information from them and they will have to comply.

[itsmeandonlyme]

Karen, This is worked for me..and i got my charges from WF returned

 

 

I am of the opinion the law is clear on liquidated damages and that, irrespective of your belief to the contrary and regardless of any agreement that I may have signed, the payment of excessive damages will be interpreted as a penalty and therefore the charges you imposed will be unenforceable and should I be forced to litigate, judgement granted in my favour.

 

The fact that your fees do not differ significantly from those charged by other companies operating within the Financial Services industry is entirely redundant however I am most interested in your comment regarding my responsibility for those fees. Given your clear and unambiguous statement that these fees represent the costs to your business and that you have incurred them as a result of my breaching our contract I am sure you will be happy to demonstrate this by letting me have a full breakdown of the costs to which you have been put as a result of my breaches in order to reassure me that your penalties really do reflect your costs.

 

Charges are not legally enforceable if they are penalties. Penalty clauses in contracts in English (and Scottish) law for breach of contract are not legal if the penalty exceeds the actual cost of the breach of either party. The law relating to penalties has been established through case law. The cases date back to the nineteenth century and the courts have been consistent in the way that they have ruled on penalty clauses

 

I am mildly amused by your penultimate paragraph and your apparent misunderstanding of contract law and seemingly deliberate attempt to complicate what is a straightforward issue.

[karen654321]

Thank you so so much for this. Im going to get this off to them first thing in the morning by special delivery.

 

The last letter i had back from them was from mr scothern, Is there anyone higher up that i could address this to?

 

thanks once again you are a great help

 

karen

[itsmeandonlyme]

Well, the situation is that Mr S is leaving( he doesn't care and has got a mission to back all the complaints off)...( This is what Ian Orril told me on prelim hearing''''''just about Mr S leaving plans'''''')...

 

I would send all the letters either to Mr Orrill or to Secretary of CEO...also, Ellen gave an advise to send a complaint to WF Parent company:

 

contact details for Cattles CEO (Welcome parent company)

 

Seán P Mahon, Chief Executive

Cattles Plc

Kingston House

Centre 27 BusinessPark

Birstall

Batley

WF17 9TD

 

I just so fed up of WF...i can't tell how much;)

[karen654321]

Are they still applying charges to the account though? Did you get them all refunded?

 

karen