15 year old claim- Please say yes....

amersall

calum1 wrote: »

I phoned Welcome back to confirm their insurer, I was told Aviva but then given the run around the country for an address. Second phonecall (with your prompting Amersall) makes me all the more suspicious as to what the position really is.

I suspect that Welcome will return a letter saying "time barred", not sure if that would be the outcome if I find the address for the insurer.

Now I will be following this up Marksman.

http://www.aviva.com/about-us/contact-us/general-enquiries/
Could ring them first and they may help you more (or not !!)
Let us know how you get on.

amersall

calum1 wrote: »

I phoned Welcome back to confirm their insurer, I was told Aviva but then given the run around the country for an address. Second phonecall (with your prompting Amersall) makes me all the more suspicious as to what the position really is.

I suspect that Welcome will return a letter saying "time barred", not sure if that would be the outcome if I find the address for the insurer.

Now I will be following this up Marksman.

Even if AVIVA say no, you can then take this to FOS.
This may take a long time but you may get there in the end.

calum1

At a bit of a loss as what to do next. Contacted Aviva, they were unable to locate any information from the policy number I gave, lady said nothing showed up on her screen. She mentioned the only thing that appeared on her screen was a claims area department for Welcome and that was all.

Still not convinced I was given the correct insurer by Welcome.

amersall

calum1 wrote: »

At a bit of a loss as what to do next. Contacted Aviva, they were unable to locate any information from the policy number I gave, lady said nothing showed up on her screen. She mentioned the only thing that appeared on her screen was a claims area department for Welcome and that was all.

Still not convinced I was given the correct insurer by Welcome.

Knowing welcome you were probably not.
Give Welcome a ring again and tell them you want the correct insurer details or you will put a complaint into FOS.
It may be that AVIVA are misleading you?.
You did give AVIVA your loan number? as usually the ppi is attached to the loan.

marshallka

calum1 wrote: »

To update those that gave advice. amersall, robbedofmymoney and withabix.

Spoke with WFS they inform me that as the policy was taken out pre Feb 2003, the FSA have informed them given the policy was older than that they can now class this as "time barred"

They gave address, "surprise, surprise its WFS" that I could submit details of loan and PPI, but the response I would receive from them would be what is detailed above.

Thank you to those above for guidance offered. All the best to those seeking their justified claims.

Calum

So the FSA says its time barred?
This is from their site on the statment made about PPI

Time barring and pre-2005 sales

Some firms argued that complaints about pre-2005 sales should not be included in the
scope of our Handbook provisions because they are all or mostly already out of time to be

considered on their merits (i.e. they are ‘time barred’ under our existing DISP rules).

33

We disagree with this view. Decisions concerning the time barring of individual

complaints are ultimately for the FOS to make, but in general terms, our view (as set

out in CP10/6 para 3.14), is that general media coverage of the PPI issue, including

comments or publications by us, would

not be enough to have given a consumer the kind

of specific ‘constructive knowledge’ required by DISP’s time limits.

34

Accordingly, while some consumers who bought PPI before January 2005 may, on an

assessment of their individual circumstances and events, be deemed to have had appropriate
awareness before January 2008, such that they will be out of time by January 2011, our

view is that this is unlikely to apply to consumers generally (though that is ultimately a

decision for the FOS to make concerning complaints referred to it).

Conclusion on pre-2005 sales

There is nothing in firms’ responses which leads us to consider it necessary to retract
from our statement in the open letter concerning pre-2005 sales or to carve out
complaints about these sales from the scope of our final provisions. To do either would
leave substantially unaddressed the poor handling of a very significant proportion of PPI
complaints, and thus the significant potential consumer detriment caused by many of

these sales.

The_Marksman

Marshallka, great info! thank you........;)

whats it mean in english for us MeerKat types lol:rotfl:

marshallka

The_Marksman wrote: »

Marshallka, great info! thank you........;)

whats it mean in english for us MeerKat types lol:rotfl:

Make of it what you may!!

calum1

amersall wrote: »

Knowing welcome you were probably not.
Give Welcome a ring again and tell them you want the correct insurer details or you will put a complaint into FOS.
It may be that AVIVA are misleading you?.
You did give AVIVA your loan number? as usually the ppi is attached to the loan.

Contacted Welcome again, this time I was eventually given "Direct Group"and their contact number to their claims department. When I phoned, I found the security questions were a nightmare, who can remember postcodes and telephone numbers from 20 years ago.

Welcome did quote "time barring" again and thanks to Marshallka I challenged them on who issued that statement, only to be met with silence and then followed by Direct Groups telephone number.

When I phoned Direct Group to ask for their address, they asked if I wanted to submit a claim, would not give their address as they had to register my claim and then they would issue a claims pack.

Slightly hesitant to commit myself registering my claim after the runaround the last couple of days and if they are going to ask these security questions that Welcome asked I have some homework ahead. More used to mothers maiden name and dates of birth, which the last 3 phone calls to Welcome requested.

Stress levels through the roof here, but thanks for the support everyone.

Calum

amersall

Let them send you a claim pack.

Then chill for a while.
Keep at this and if you need anymore help just yell.

calum1

Contacted "direct group" they are a claims administrator. They expalined that Welcome obviously gave wrong contact details, suggested that I phone them back, merrygo round again! Phoned welcome again, three previous occassions they have accepted my D.O.B and at the fourth time of asking I failed my D.O.B security question. Need to send photo ID with D.O.B information.

Patience just ran out, I explained I was going to raise this with FOS.

I am finding Welcome very unwelcoming. I explained to them that they could no doubt can see on file that I've been in contact with them several times this week. Have I sufficient grounds to approach FOS with a claim given how obstructive Welcome are being, or is there something else I would have to demonstrate?

Calum