Welcome ppi claim Help

Benji_58

Hi need some advice please.

Jully 2009 - started claim against first plus loan 2002, using claims made simple.
August 2009 - Claim sent to FOS
August 2010 - FOS return file to claims made simple stating Dial 4 a loan were the broker.
Claims made simple pass case to solicitor.
October 2010 - Solicitors send claim to welcome finance.
December 2010 - informed welcome had lost questionaire
January 2011 - spoke to solicitor they still had no responce from welcome. Solicitor told me that my claim had gone past the time barred, informed them this does not stand.
March 2011 - Solicitor informed me they closed my case saying welcome stopped trading. Informed them that 20 millon pound had been set a side in redress for claims pre 2005.
June 2011 - Letter from solicitor stating they had ceased trading may 2011. I was given 2 options-1- Return file to myself and await responce from welcome. 2- File posted to nominated solicitor. I went for option 1.
Contacted solicitor as file never arrived was informed they had passed it on to a new solicitor.
Contacted new solicitor to ask for my file was informed I could have file and continue claim, but if case won percentage fee to solicitor still stands as original agreement. IS THIS CORRECT?
In the last 2 weeks I have made numerous phone calls to welcome and first plus, got required information for welcome and have been told I will get final responce next week.
Do I really have to give a percentage if I win when I have done more in the last 2 weeks.

Benji_58

Benji_58 wrote: »

Hi need some advice please.

Jully 2009 - started claim against first plus loan 2002, using claims made simple.
August 2009 - Claim sent to FOS
August 2010 - FOS return file to claims made simple stating Dial 4 a loan were the broker.
Claims made simple pass case to solicitor.
October 2010 - Solicitors send claim to welcome finance.
December 2010 - informed welcome had lost questionaire
January 2011 - spoke to solicitor they still had no responce from welcome. Solicitor told me that my claim had gone past the time barred, informed them this does not stand.
March 2011 - Solicitor informed me they closed my case saying welcome stopped trading. Informed them that 20 millon pound had been set a side in redress for claims pre 2005.
June 2011 - Letter from solicitor stating they had ceased trading may 2011. I was given 2 options-1- Return file to myself and await responce from welcome. 2- File posted to nominated solicitor. I went for option 1.
Contacted solicitor as file never arrived was informed they had passed it on to a new solicitor.
Contacted new solicitor to ask for my file was informed I could have file and continue claim, but if case won percentage fee to solicitor still stands as original agreement. IS THIS CORRECT?
In the last 2 weeks I have made numerous phone calls to welcome and first plus, got required information for welcome and have been told I will get final responce next week.
Do I really have to give a percentage if I win when I have done more in the last 2 weeks.

Some more advice please
PPi claims is for £857150 - this is total ppi
Started June 2002-loan repayed November 2005
How do I calculate refund?
Please help this claim has been going for a long time

amersall

Hi there,i am afraid you will have to pay the fee, unless with it being offered back to you this may be different, as you did not opt for this to go to another solicitor.
Hopefully someone who knows more about this will be along to help you.
What is your ppi? you have not put any decimal points!.
Also FSCA are dealing with welcome and they only compensate 90% of your ppi,if i read your post right.

Benji_58

amersall wrote: »

Hi there,i am afraid you will have to pay the fee, unless with it being offered back to you this may be different, as you did not opt for this to go to another solicitor.
Hopefully someone who knows more about this will be along to help you.
What is your ppi? you have not put any decimal points!.
Also FSCA are dealing with welcome and they only compensate 90% of your ppi,if i read your post right.

Thanks for the reply.
FSCA not dealing with my case because loan started 2002.
ppi was £8571.50.
When I spoke to welcome on Friday they said I would get final responce this week, although letters they say have been posted asking for more information have never arrived.
I spoke to the new soliciter 2 weeks ago asking for my file to be returned they said they hadnt got to it yet, when they did I would recieve a letter with new forms to sign. Letter still not arrived.

Benji_58

Spoke to welcome today to explain still not recieved letters from 2 weeks ago and to see if I could get any information regarding final responce-was told final responce letter on its way details-time barred. Spoke to new solicitor they still not looked at case. they had a quick look at my file while I was on the phone and told me Time Barred doesnt count on my case.
Two years and still not solved I want to screem!!! First plus or Welcome one of them should pay

Benji_58

Letter arrive today from welcome as follows

:I refer to your letter dated October 2010 which set out your compliant
The purpose of this letter is to explain reason why Dial 4 a loan (welcome) is unable to consider this claim.
1. Complaint relates to sale June 2002. D4AL arranged a loan from first plus.D4AL also recommended a single premium PPI policy, and the premium was paid by adding it to the loan D4AL arranged. First plus sent the funds to pay for the insurance premium to an insurance company of their choice.
You may want to consider whether you have a right to complain to first plus or the insurance company who provide the ppi.

2. As a general rule D4AL can only consider complaints of misselling if they are made within six years of the date of sale. Therefore your complaint could not be considered in any event unless there is legally valid reason why the six year limitation period does not apply in this case.

3. I have considered whether you have the right to refer complaint to the FOS who normally consider complaints that relate to FSA regulated activities. Unfortunately your claim relates to a sale of ppi June 2002, prior to the 14 January 2005 sales of insurance by brokers were not regulated by the FSA. Consequently I do not believe that you have the right to refer complaint to the FOS.

I realise that my conclusion that D4AL is unable to consider your complaint will come as a disappointment. I hope this letter is helpful in explaining why D4AL is unable to consider your complaint.:

My complaint has already been to FOS against first plus who concluded first plus not responsible it was D4AL. What to do now?

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Benji_58

Benji_58 wrote: »

Letter arrive today from welcome as follows

:I refer to your letter dated October 2010 which set out your compliant
The purpose of this letter is to explain reason why Dial 4 a loan (welcome) is unable to consider this claim.
1. Complaint relates to sale June 2002. D4AL arranged a loan from first plus.D4AL also recommended a single premium PPI policy, and the premium was paid by adding it to the loan D4AL arranged. First plus sent the funds to pay for the insurance premium to an insurance company of their choice.
You may want to consider whether you have a right to complain to first plus or the insurance company who provide the ppi.

2. As a general rule D4AL can only consider complaints of misselling if they are made within six years of the date of sale. Therefore your complaint could not be considered in any event unless there is legally valid reason why the six year limitation period does not apply in this case.

3. I have considered whether you have the right to refer complaint to the FOS who normally consider complaints that relate to FSA regulated activities. Unfortunately your claim relates to a sale of ppi June 2002, prior to the 14 January 2005 sales of insurance by brokers were not regulated by the FSA. Consequently I do not believe that you have the right to refer complaint to the FOS.

I realise that my conclusion that D4AL is unable to consider your complaint will come as a disappointment. I hope this letter is helpful in explaining why D4AL is unable to consider your complaint.:

My complaint has already been to FOS against first plus who concluded first plus not responsible it was D4AL. What to do now?

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Hi I have been reading up on the forum,but still confused. Is it the broker or insurer who is at fault? The broker was D4AL (welcome) who were paid a fee from first plus. Then first plus took the ppi fee and arranged ppi cover with barclays insurance.
Can anyone advise please

amersall

Go after Barclays of Dublin.
Barclays Insurance (Dublin) Limited. Registered Office: Two Park Place, Hatch Street, Dublin 2, Ireland.

Benji_58

amersall wrote: »

Go after Barclays of Dublin.
Barclays Insurance (Dublin) Limited. Registered Office: Two Park Place, Hatch Street, Dublin 2, Ireland.

Thanks for the advice and address information really appreciate it.:)

amersall

Good luck,and do not let this drop!.

Benji_58

amersall wrote: »

Good luck,and do not let this drop!.

I won't although some days its hard not to:) but then I just think one of these companies has robbed me. At least !!!!!! Turpin wore a mask:)