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Welcome PPI

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  • #16
    Hi if welcome isn’t trading who do I contact to claim capitalisation fee and charges on my loan


    • #17
      Was Norwich Union the underwriter then taken over bought out by Aviva, if so contact AVIVA? as most PPI it has been reported as. if so get all your paper work together ready and contact AVIVA with policy No etc they should ask you for all the agreements etc you hold. ////????


      • #18
        I did an SAR to Welcome whom to be fair didn't even want the £10 fee. They posted my loan agreement (from 2004) with statements of account. "Healthcare" had been added to the loan unbeknown to me, so I emailed to ask what it was and they explained a health insurance policy from Norwich Union.

        I have through Resolver logged a PPI Claim and Claim for a refund of the Healthcare Insurance last week with Aviva who once were Norwich Union.

        And I can't fault Welcome for being forthcoming and I did the SAR just with an email.

        My posts here are based on my experience of a variety of life events. I have no formal legal training & if in doubt take professional legal advice or contact CAB. If you follow anything I write here you do so at your own risk & I accept no liability for any loss, costs or other outcomes.

        Private messages are disabled as help is only offered publicly. I do not come on here in the evening, at weekends or on public holidays.


        • #19
          Hi all.
          Sorry for piggybacking on this but I have had a very similar case with Welcome. However, when I emailed Aviva with the details, I received the below unfortunate reply:

          Thank you for getting back in touch with us about the sale of your Payment Protection Insurance (PPI).

          I’m sorry to advise that we have not received your questionnaire; in any case, I have taken a look at the documents you sent us on 26 August 2019 and these offer enough information for me to draw a conclusion.

          Unfortunately, Aviva is not the correct business to investigate your complaint and we’re unable to assist you in this matter. The available information shows that your policy commenced on 19 May 1998. Neither Aviva nor any Aviva subsidiary company was the underwriter of Welcome Finance PPI at that date. I do not have details of the underwriter but this information will be available from your policy document and/or your finance agreement.

          In conclusion, you will need to redirect your enquiry to the appropriate underwriter in the first instance. They will then investigate your concerns and issue you with their final decision.

          Any enquiry regarding undisclosed commission should be directed to the company that provided the finance. As we are not the underwriter of your policy, we do not hold this information. This stance falls in line with the Financial Conduct Authority’s (FCA) most recent statement which set out their view on the impact of the ‘Plevin v Paragon Personal Finance Ltd’ case and how firms should handle complaints relating to the amount of commission the lender received.

          Once you’ve received a final decision from the responsible business, you may have the right to refer your complaint to the Financial Ombudsman Service, free of charge – but you must do so within six months of the date of that final decision. If you do not refer your/their complaint in time, the Ombudsman will not have permission to consider it and so will only be able to do so in very limited circumstances.

          A link to their leaflet is as follows:


          Or, alternatively, they can be contacted at:

          The Financial Ombudsman Service
          Exchange Tower


          E14 9SR

          Their e-mail address is complaint.info@financial-ombudsman.org.uk.

          If you would like to receive a copy of this letter by post or if you’d like a paper copy of the Financial Ombudsman Service leaflet, please let me know.

          To clarify, in the event that you choose to make a complaint to the Ombudsman about Aviva or any Aviva subsidiary company, we will ask them to dismiss the matter on the basis that we have no responsibility for the sale of this policy.

          What do you guys think?
          Last edited by Buel10; 13th April 2022, 15:19:PM.


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