Welcome Finance / Dial4aLoan PPI Misselling Help

Hurlock

Apologies but I'm a bit of a novice at this but will try to explain as briefly as possible.

I took out a Secured Loan with Welcome Finance in November 2003 in which I was miss-sold PPI. I received the relevant questionnaire from Welcome in which I completed and returned.

Next I receive a letter from Dial4aLoan (same address as Welcome?) saying that they have been passed complaint details by Welcome Finance for investigation and can you kindly provide Copy of Agreement details showing insurance premium, documents relating to Dial4aLoan sale, status of account etc ?????

I have no recollection of ever having any contact with Dial4aLoan (obviously the Broker) or ever receiving details from them but only with Welcome Finance / Progressive Financial Services ?

I spoke to Welcome about this who were rather unhelpful and said that the matter had been passed to the Broker to deal with.

Anyway I then had to write to Dial4aLoan (No telephone number provided ?) in which I received a reply stating that I would have to send £10 for details of the account to proceed or revert complaint back to Welcome or Norwich Union / Aviva .

So anyway last week I sent the standard SAR letter to Dial4aLoan with £10 cheque (which has been cashed) requesting their response within 40 days.

Today I received their reply thanking payment and please find enclosed documentation that they hold on my file. All they have supplied is a couple of badly photocopied dial4aLoan Broker Commission statements, a BACS Remittance Advice letter from Welcome to Dial4aLoan again showing their commission, and copies of my previous correspondences to them !!!

Am I missing something here was expecting a lot more as per SAR letter conditions ? Any help would be appreciated as what to do next as this is becoming rather frustrating.

[Deleted User]

Hurlock wrote: »

Apologies but I'm a bit of a novice at this

Have you forgotten your long thread about this? It has 58 replies;
https://forums.moneysavingexpert.com/discussion/4783990

Hurlock wrote: »

Am I missing something here was expecting a lot more as per SAR letter conditions ?

You'll only ever receive what they have kept on file for you. It appears they haven't kept very much.
If you have evidence that they are deliberately withholding information then you can complain to the Information Commissioner's Office (ICO)
http://ico.org.uk/complaints

However, it's very likely they have already sent everything they have on file and that any complaint is going to flounder as a result.

Hurlock

Moneyineptitude wrote: »

Have you forgotten your long thread about this? It has 58 replies;
https://forums.moneysavingexpert.com/discussion/4783990

You'll only ever receive what they have kept on file for you. It appears they haven't kept very much.
If you have evidence that they are deliberately withholding information then you can complain to the Information Commissioner's Office (ICO)
http://ico.org.uk/complaints

However, it's very likely they have already sent everything they have on file and that any complaint is going to flounder as a result.

Thank-you for your reply and very helpful as usual !

No I have not forgotten my previous post thanks as I was posting for further advice.

Should I have sent the SAR to Welcome Finance originally ?

[Deleted User]

Hurlock wrote: »

Should I have sent the SAR to Welcome Finance originally ?

This may (or may not) offer up more useful information, it's your £10 to gamble...

Hurlock

Thanks again and I have nothing to lose, so nothing ventured nothing gained !