PPI Reclaiming successes and failures

di3004

lucieloo wrote: »

hi after scouring bank statements lol i have found that i changed my morgatge to go with hsbc. they added life insurance and sickness cover seperatley. i remember them saying that because i was taking the morgatge with them i had to take it. is this the same as ppi? can i claim that back?

Hi hun

Yes I think you can, afterall you should have been given the choice, so give it a go.;)
I take it you have not made a successful claim on it, for example, sickness or unemployment etc?

lucieloo

no never claimed on it di

di3004

lucieloo wrote: »

no never claimed on it di

Cool, then go for it.:DX

anniegirl_2

di3004 wrote: »

Hi and Welcome Anne;)

To make a reclaim, you will require your account numbers on both loans, so if you do not have these on hand, do you have any old statements where this would show the monthly repayments, the account numbers would be shown next to the repayments.

Are the loans still active?

If so you could request a Subject Access Request (SAR) where they have 40 days to comply/send all the info they still hold on your account, hopefully they still hold some details.
For a SAR request there is a charge of £10 postal order or cheque payment you have to enclose with this SAR request, and I would post by recorded delivery for your proof of posting.
Link here to SAR:


In regards of reclaiming, you write to the ones who sold you the loans, and they have 8 weeks in full to respond, again best to post by recorded delivery, more help with templates on link here

So check out the above and ask for help anytime as well, and please keep us posted, cheers.;)

thanks for that
I cannot find my account numbers anywhere, but the loans only finished in 2008, and i know through telephoning them that they do have my details, and promised to send out the aggreements, but of course they never arrived
these loans went on forever because we were experiencing problems and cut down our payments, finally when we were nearing the end, my husband phoned to ask for another loan, he was told we couldnt have one. I then stopped the payments, then received a call from them to ask why, and i explained that after being a customer for so long, i was annoyed when i couldnt get a loan. The guy told me he couldnt understand why this would be, because we were such good customers blah blah, he told me if i could pay the final £86, then phone the local office, it was almost guaranteed that i would get another loan.....
He actually called to my house for the remaining money, i left £85 with my son to pay him. He actually phoned me and asked if he could come back when i was there for the outstanding £1 !!!!
When i rang the office and asked to apply for a new loan the following week, i was informed they had stopped lending money the week before!!
sorry if this is long winded, but i am now determined to get this money back, as i have managed to pay off all my debts, am now virtually debt free, and i just want to enjoy my life now
could anyone tell me what the time frame is for claiming off of WF

anne

di3004

anniegirl wrote: »

thanks for that
I cannot find my account numbers anywhere, but the loans only finished in 2008, and i know through telephoning them that they do have my details, and promised to send out the aggreements, but of course they never arrived
these loans went on forever because we were experiencing problems and cut down our payments, finally when we were nearing the end, my husband phoned to ask for another loan, he was told we couldnt have one. I then stopped the payments, then received a call from them to ask why, and i explained that after being a customer for so long, i was annoyed when i couldnt get a loan. The guy told me he couldnt understand why this would be, because we were such good customers blah blah, he told me if i could pay the final £86, then phone the local office, it was almost guaranteed that i would get another loan.....
He actually called to my house for the remaining money, i left £85 with my son to pay him. He actually phoned me and asked if he could come back when i was there for the outstanding £1 !!!!
When i rang the office and asked to apply for a new loan the following week, i was informed they had stopped lending money the week before!!
sorry if this is long winded, but i am now determined to get this money back, as i have managed to pay off all my debts, am now virtually debt free, and i just want to enjoy my life now
could anyone tell me what the time frame is for claiming off of WF

anne

Anne, you go for it then.

In regards of you requesting for the agreements, did you enclose a £ postal order or cheque payment for this? with payment they should only take 12 days when you request for this in writing.


They seem rather petty don't they? For that £1.....:eek:

Many on here have been successful with reclaiming as from the late 90's so its always worth giving it a go, where many say just the last 6 years, I was actually successful on a 2001 case.;)

gerryscot

di3004 wrote: »

Where can I find you Gerry? :rotfl::j, don't let anyone else take my seat.......:eek::beer:

You've missed the buffet, i kept you a wee sausage roll...:j:j

Listen out for the muppets song thats the party theme tune .....:beer:

di3004

gerryscot wrote: »

You've missed the buffet, i kept you a wee sausage roll...:j:j

Listen out for the muppets song thats the party theme tune .....:beer:

Ah Damn.........:eek:
Cheers for the sausage roll though :D:rotfl: lol :j
Arh yes the Muppets song, I remember that one well.....:rotfl::beer:XXX

anniegirl_2

di3004 wrote: »

Anne, you go for it then.

In regards of you requesting for the agreements, did you enclose a £ postal order or cheque payment for this? with payment they should only take 12 days when you request for this in writing.


They seem rather petty don't they? For that £1.....:eek:

Many on here have been successful with reclaiming as from the late 90's so its always worth giving it a go, where many say just the last 6 years, I was actually successful on a 2001 case.;)

thanks di
i requested the info by phone, i have now used the letter template on here to request my info, into which i will pop a postal order tomorrow when im sending it recorded delivery!
would you have their postal address and do they ever respond to emails.
Some ppl seem to have had very quick success with them.

And yes on the subject of the pound, violence almost happened.....lol
anne

di3004

anniegirl wrote: »

thanks di
i requested the info by phone, i have now used the letter template on here to request my info, into which i will pop a postal order tomorrow when im sending it recorded delivery!
would you have their postal address and do they ever respond to emails.
Some ppl seem to have had very quick success with them.

And yes on the subject of the pound, violence almost happened.....lol
anne

Cool........:T well done and good luck.

Right here are a few address, I am not totally sure on which one you would send your request to though, so hopefully someone will confirm.
I think its the first one.

WELCOME FINANCIAL SERVICES LTD MERE WAY,
RUDDINGTON FIELDS BUSINESS PARK,
RUDDINGTON,
NOTTINGHAM,
NG11 6NZ
TEL: 0845 6187804

Welcome Finance
Kingston House
Centre 27 Business Park
Woodhead Road
Birstall
Batley
WF17 9TD

Welcome Financial Services (Worcester Branch)
2, Sansome Walk,
Worcester,
Worcestershire
WR1 1LH
Tel: 01905 723857

Welcome Finance (Kidderminster Branch)
Campion House
Green St, Kidderminster, DY10 1JL
Tel: 01527 592369

Oh dear..........and all over a £1.......:eek::D;)

Email wise I do not have a clue, I think personally its best to send letters by recorded hardcopies, at least you then have your proof this way X

anniegirl_2

di3004 wrote: »

Cool........:T well done and good luck.

Right here are a few address, I am not totally sure on which one you would send your request to though, so hopefully someone will confirm.
I think its the first one.

WELCOME FINANCIAL SERVICES LTD MERE WAY,
RUDDINGTON FIELDS BUSINESS PARK,
RUDDINGTON,
NOTTINGHAM,
NG11 6NZ
TEL: 0845 6187804

Welcome Finance
Kingston House
Centre 27 Business Park
Woodhead Road
Birstall
Batley
WF17 9TD

Welcome Financial Services (Worcester Branch)
2, Sansome Walk,
Worcester,
Worcestershire
WR1 1LH
Tel: 01905 723857

Welcome Finance (Kidderminster Branch)
Campion House
Green St, Kidderminster, DY10 1JL
Tel: 01527 592369

Oh dear..........and all over a £1.......:eek::D;)

Email wise I do not have a clue, I think personally its best to send letters by recorded hardcopies, at least you then have your proof this way X

thanks so much for this
will keep you posted on the outcome
anne x