Where do I start with Welcome?

hoyles10

I used to have a loan through Welcome and i'm pretty sure that I have PPI with it as they originally told me that it had to be part of the loan.

I'm not actually sure how to go about finding out the information I need though.

I originally took out a loan with them for about £1500, then I wanted to add to it and they said that to do this I would need to take out a new agreement for the money that was owed on the old account plus the extra £1000 that I wanted. I did this 5 times during my time with Welcome until I ended up with a loan amount of about £8000.

The only information I have is for the last account that was paid off in full in February this year.

How will I go about finding out the information for the previous accounts that were paid off every time I took a new loan out?

Also I am half considering getting a company to act on my behalf to do all this. Does anyone have any recommendations or is it easy enough to do it all myself? I have done all the bank charges stuff myself so if it's anything like that it should be easy enough.

It's just this finding out all my previous information that I think could be a pain in the rear end.

di3004

hoyles10 wrote: »

I used to have a loan through Welcome and i'm pretty sure that I have PPI with it as they originally told me that it had to be part of the loan.

I'm not actually sure how to go about finding out the information I need though.

I originally took out a loan with them for about £1500, then I wanted to add to it and they said that to do this I would need to take out a new agreement for the money that was owed on the old account plus the extra £1000 that I wanted. I did this 5 times during my time with Welcome until I ended up with a loan amount of about £8000.

The only information I have is for the last account that was paid off in full in February this year.

How will I go about finding out the information for the previous accounts that were paid off every time I took a new loan out?

Also I am half considering getting a company to act on my behalf to do all this. Does anyone have any recommendations or is it easy enough to do it all myself? I have done all the bank charges stuff myself so if it's anything like that it should be easy enough.

It's just this finding out all my previous information that I think could be a pain in the rear end.

Hello there, I would start by requesting a Subject Access Request (SAR), they have 40 days to comply, and send everything they hold on your account(s), there is a cost of £10 for this to be paid by either cheque or postal order.
Template letter for the SAR here:
http://forums.moneysavingexpert.com/showthread.html?t=1475553

For more then on reclaiming for when you ready check this link here below, and if you require help from here, please ask, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Remember to post by recorded delivery, for your proof of posting.

Good luck.;)

hoyles10

Thanks very much di3004. I will do that tonight then I can get it all off recorded delivery tomorrow.

Do you know where the best place to send it to is or where I can find that out?

I have a letter from January this year from the Customer Relations Centre in Hessle HU13 9WA.

Is this the best place to send it to?

di3004

hoyles10 wrote: »

Thanks very much di3004. I will do that tonight then I can get it all off recorded delivery tomorrow.

Do you know where the best place to send it to is or where I can find that out?

I have a letter from January this year from the Customer Relations Centre in Hessle HU13 9WA.

Is this the best place to send it to?

Your very welcome.;)

I have a few addresses here, post by recorded delivery, you can check on the Royal mail website "Tracking" to make sure it reaches them, you could send to the address you posted above, to what I am aware of as they are altogether anyway, the letter will get to the right dept by the means of them passing it on fax etc if they have to.;)

Some addresses here for you anyway.

WELCOME FINANCIAL SERVICES LTD MERE WAY,
RUDDINGTON FIELDS BUSINESS PARK,
RUDDINGTON,
NOTTINGHAM,
NG11 6NZ
TEL: 0845 6187804

Welcome Finance
Kingston House
Centre 27 Business Park
Woodhead Road
Birstall
Batley
WF17 9TD

Welcome Financial Services (Worcester Branch)
2, Sansome Walk,
Worcester,
Worcestershire
WR1 1LH
Tel: 01905 723857

Welcome Finance (Kidderminster Branch)
Campion House
Green St, Kidderminster, DY10 1JL
Tel: 01527 592369

hoyles10

Awww thanks so much for that

di3004

hoyles10 wrote: »

Awww thanks so much for that

With pleasure, and please ask for help when required.;)

hoyles10

Well i've just done my letter and written out a cheque

I think I took the original loan out in 2004, will I still be able to claim or is it to late?