Help writing a letter - Welcome Finance!

ikkle87

Help writing a letter - Welcome Finance!
Hope somebody can please help. Apologies if I sound as though I am repeating myself!

In November 2006 I took out a loan with Welcome Finance for £2000 (£132 @ 24 months) In April 2007 I asked to borrow another £900 - an amount which I thought would be a seperate loan. The 2nd loan had PPI on which I am now trying to claim back as I believe I was mis sold on medical grounds. My new combined monthly totals were £217 @ 36 months.

Having recently requested a CCA agreement I have looked closer and the £900 loan also consolidated the first loan so has seen me taking out a loan to pay off £2000 + interest + £900 + PPI + interest again. So I am paying 2 lots of interest on the first amount of £2000.

Having spoken to somebody at National Debtline they have said although Welcome can argue that they provided copies of my agreement when I took the 2nd loan out I can retaliate with if they mis sold PPI then maybe they mis sold the terms of the 2nd loan as well. They have advised I write a letter of complaint and also mention forwarding my complaint to the FOS.

Can I please point out that although I did receive a copy of my CCA when taking out the loan soon after I was hit by numerous health problems which saw me unable to deal with my debts and it is only now that I am getting around to tackling them.

Can I also point out I am not trying to get out of paying this loan off but to get the amount owed reduced slightly by hopefully having the 2nd amount of interest on the £2000 and the PPI removed.

However I am not very good at writing letters and would be grateful if somebody could help me out or offer any advice.

Thank you

Ikkle x