A Welcome reply, (PPI Help please)

dexstroyer_2

amersall wrote: »

Ring Welcome and ask for broker and insurer details,do this for both loans,as thet were pre 2005, once you have the details, send them off asap x.

Ok will do,

I then complete the questionaires for each and post off, where if anywhere do I mention amounts and figures? Or is the initial contact to make them aware etc?

dexstroyer_2

Called the office local to me, Stockport and they advised I call 0115 984 9200 as the head office is dealing with all claims and that they would send me out a claim pack.

Not to sure this is the best route as Im sure I have read these taking months and months to arrive,

What do you suggest?

amersall

Hi there, the insurer route may (sometimes not) be a long one,but that is the only option you have.
Was it Welcome head office you phoned and why are they sending you a claim pack?.

You only need to tell them the reasons for mis sell,if you win,they will work it out for you.

Dont give up on this,you will get there in the end.

dexstroyer_2

amersall wrote: »

Hi there, the insurer route may (sometimes not) be a long one,but that is the only option you have.
Was it Welcome head office you phoned and why are they sending you a claim pack?.

You only need to tell them the reasons for mis sell,if you win,they will work it out for you.

Dont give up on this,you will get there in the end.

I just phoned my local office, and they could not help.

Maybe I will call the head office next as they suggested.

There is no sense in sending the questionaire of mis sell to Welcome is there?

amersall

dexstroyer wrote: »

I just phoned my local office, and they could not help.

Maybe I will call the head office next as they suggested.

There is no sense in sending the questionaire of mis sell to Welcome is there?

Dont send it to welcome,they will only write back and say the loans were before 2005 and they cannot help you with this.
Phone head office and get the insurer details,then send the claims to them.

dexstroyer_2

A bit vague but the person on the phones thinks its Direct Group on 0844 412 4141, not that I can get through though!

I do however have a policy number though :j, but she said they just refer everyone to Direct Group.

Found this info, is it worth sending off my questionaire to this address?
DIRECT GROUP LIMITED
DIRECT HOUSE 4 SIDINGS COURT
DONCASTER
SOUTH YORKSHIRE
DN4 5NU
Company No. 02461657

The small print of the Welcome website has this address;

Direct Group, Direct House, White Rose Way, Doncaster DN4 5NU

What do you suggest now, the number I called for them just rings round and round, for 20 minutes!

dexstroyer_2

amersall wrote: »

Dont send it to welcome,they will only write back and say the loans were before 2005 and they cannot help you with this.
Phone head office and get the insurer details,then send the claims to them.

Right Im in from work now and can concentrate!

Im filling out the questionaire to send to Direct Group Limited, am I to include the 3 page statement from Welcome also? This lists the initial opening balance and schedule of payments.

For section E, about your complaint, is the following ok to write:-

We were not informed of the costs, benefits or indeed the terms of the insurance
The insurance was added to our policy as the salesman informed us we would not be accepted for the loan without taking the insurance.
I have included a 3 sided document detailing my financial account with Welcome Finance, the lender and the payment history.

And for been unhappy with the insurance:-

[FONT=&quot]The payment protection insurance sold with the above account was mis-sold and we were pressured in to taking the product without any knowledge of it[/FONT]

Also should I extend my answer to B4. Did the financial business give you any advice or recommend that you take out this policy?
I have answered yes as he advised we would not be accepted without the insurance.

Many Thanks,

amersall

dexstroyer wrote: »

Right Im in from work now and can concentrate!

Im filling out the questionaire to send to Direct Group Limited, am I to include the 3 page statement from Welcome also? This lists the initial opening balance and schedule of payments.

Yes include these,but only copies.

For section E, about your complaint, is the following ok to write


i/we were not told that the ppi was in fact another loan that would be payable over the loan term with interest
We/i believe we were not given enough information on this ppi to make an informed decision. Had we/i known the full cost of this ppi we would not have taken it.
Unless you can prove without doubt that this PPI policy was fair, reasonable and suitable for my/our circumstances we/I will require you to rearrange the loan as if PPI had never been included.

I have included a 3 sided document detailing my financial account with Welcome Finance, the lender and the payment history.

And for been unhappy with the insurance:
you were unhappy with this ppi as you believe you were mis lead over the total financial cost of this policy.

Also should I extend my answer to B4. yes,put this.Did the financial business give you any advice or recommend that you take out this policy?
I have answered yes as he advised we would not be accepted without the insurance.

Many Thanks,

The sidings court address is the head office,so send it to that.

amersall

YOU DONT NEED TO FIND THE BROKER !!!!
welcome sold you the loan,so you just need to send recorded delivery the letter to the insurer.

IF I HAD A BRAIN I WOULD BE DANGEROUS :eek::D

dexstroyer_2

amersall wrote: »

YOU DONT NEED TO FIND THE BROKER !!!!
welcome sold you the loan,so you just need to send recorded delivery the letter to the insurer.

Thank you very much for all the help;:A

First class guaranteed delivery to be sent to them tomorrow (that is if Direct Group is the right company) on a wing and a prayer there with the lady from Welcome...fingers crossed.

I will also find a way of adding some images of the financial statement in the hope that someone with a big enough brain can work it out for me! :T

If I am successful on my quest to reclaim this money I would be more than happy to make a donation to a charity of your choice amersall :j