A Welcome reply, (PPI Help please)

dexstroyer_2

amersall wrote: »

Hi Dex,they have 14 days to respond to you,this is up today,it wont hurt to give Welcome a ring to ask why it has been passed back to them and what is happenning.

I sent a detailed email last night with all the dates asking for an explanation so I may well give them 24 hours to reply and then call them up tomorrow lunch time.

Thanks,

dexstroyer_2

Just called up the WFSL FSCS line to be told that anything prior to 2003 would not be considered as its "time barred" LOL

So I just called up the FOS and neither Welcome or Direct Group were regulated at the time (20.08.2001 PPI purchase date)

Now I feel I will not get anything back as I can complain and shout but from what I've been told they do not have to give me a penny, :mad:

Or

Do I now write a letter and enclose a copy of the questionnaire demanding my money back (now I have the calculations!!) and threaten them with legal action?

amersall

Hi there, sorry to hear this.
This has me stumped i must admit,are you sure these are the correct insurers?,hopefully someone who knows who the insurer was that Welcome most used may be able to help here.
Hang on and i will ask about for you.

dexstroyer_2

amersall wrote: »

Hi there, sorry to hear this.
This has me stumped i must admit,are you sure these are the correct insurers?,hopefully someone who knows who the insurer was that Welcome most used may be able to help here.
Hang on and i will ask about for you.

Thank you, I'm gutted.....

The only thing I can think of looking around the guide is now to threaten them with a letter detailing the amount including interest that I will be taking them to the small claims court?? something I know nothing about!!

Do you know if there is a template to this effect?

amersall

dexstroyer wrote: »

Thank you, I'm gutted.....

The only thing I can think of looking around the guide is now to threaten them with a letter detailing the amount including interest that I will be taking them to the small claims court?? something I know nothing about!!

Do you know if there is a template to this effect?

Hi there, i am back have trawled this site and have found something helpful,the insurance people you wrote to had the insurance underwritten by Aviva/Norwich union.
We need to find out the address for these.

Give FOS a ring and ask if they have the details for the underwriter and ask if you put a complaint into them,can the FOS help you if they come back with a no.
The underwriter will have been registered when you took the loan.


Worth a phonecall?.
Give it a go and see what they say.

dexstroyer_2

amersall wrote: »

Hi there, i am back have trawled this site and have found something helpful,the insurance people you wrote to had the insurance underwritten by Aviva/Norwich union.
We need to find out the address for these.

Give FOS a ring and ask if they have the details for the underwriter and ask if you put a complaint into them,can the FOS help you if they come back with a no.
The underwriter will have been registered when you took the loan.


Worth a phonecall?.
Give it a go and see what they say.

Thank you soooo much....

When I spoke with the FOS they said that Direct Group were not regulated until JAN 2001, and my policy started in AUG 2000.

Is the underwriter different again?

amersall

dexstroyer wrote: »

Thank you soooo much....

When I spoke with the FOS they said that Direct Group were not regulated until JAN 2001, and my policy started in AUG 2000.

Is the underwriter different again?

I looked on the "claims not covered by FOS" thread.
Someone with Welcome had direct group and said the underwriters were Aviva/Norwich union.

The FOS helped them after they put a claim in,the only thing is...the poster did not update what the outcome was!!!.
Still,it is worth a go,ask FOS if it is worth pursuing the underwriter and do they have an address for them.

Di would be able to help us with this i am sure,i will make sure she has a look at this and see what she has to say.

You have nothing to lose at this stage and all it will cost you is a phone call and a recorded letter.

dexstroyer_2

amersall wrote: »

I looked on the "claims not covered by FOS" thread.
Someone with Welcome had direct group and said the underwriters were Aviva/Norwich union.

The FOS helped them after they put a claim in,the only thing is...the poster did not update what the outcome was!!!.
Still,it is worth a go,ask FOS if it is worth pursuing the underwriter and do they have an address for them.

Di would be able to help us with this i am sure,i will make sure she has a look at this and see what she has to say.

You have nothing to lose at this stage and all it will cost you is a phone call and a recorded letter.

Great OK I will call the FOS again tomorrow and see what they say; do I understand correctly that because they "underwrite" the PPI then they endorse the selling of it? and this is my reasoning for chasing.

Also I have yet not had a response from welcome...they may yet suprise me...HAHAHAHA, :rotfl:

amersall

dexstroyer wrote: »

Great OK I will call the FOS again tomorrow and see what they say; do I understand correctly that because they "underwrite" the PPI then they endorse the selling of it? and this is my reasoning for chasing.

Also I have yet not had a response from welcome...they may yet suprise me...HAHAHAHA, :rotfl:

You may very well get a reply from Welcome ,the way you describe the underwriters is what i think too,but i am sure others would disagree.

You are going for the underwriter because your loan was 2001 and hope that this is a route you can go down.

Good luck and i hope you are able to go this way.

Catch you later. Lorraine has left the building :rotfl::rotfl:
goodnight

nellynelson2

Hi,

I don't know if any of this helps, but i'm kinda at the same stage as you. Time Barred Welcome loans, although I have 3. I wrote to Direct Group, and Charlotte gave me alot of help, as she told me I also had Health Care on all 3, so that would give me 6 cases!! She advised me to write to Aviva telling them i've been mis-sold. That was around 10 days ago, today, I've got a bulky letter back from Aviva, that 'without admission to liability' would I send back the 6 FOS questionairres within 14 days, and they would look into my complaints with 8 weeks.

Not what I expected, but to be honest, I'm thinking of sending this to the FOS within 2 or 3 weeks, as it takes them 4 weeks to even look at your case, so I hope that would speed this up (considering it's took 7 weeks to get THIS FAR!!!)

Hope that helps a little..