Who should PPI claims against Welcome Finance go to, please?

[Buel10]

Hi all, as above, who should it go to, please?

[echat11]

You might struggle with this, purely because there was a 'deadline' to claim PPI.
Which was August 2019. In saying it's not 'impossible'.

Can you provide more details.

https://www.financial-ombudsman.org....0August%202019.

[Buel10]

Hi and sorry for the delay. Yes, I was advised that the original underwriters were Aviva so I contacted them (just) before the deadline.
They responded with:
Dear Mr xxxx



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:



http://www.financial-ombudsman.org.u...er-leaflet.htm



Or, alternatively, they can be contacted at:



The Financial Ombudsman Service
Exchange Tower

London

E14 9SR

[Buel10]

Hi, I did reply to this but it seems to have gone to the Mods for a spam check.....but still hasn't appeared?

[EXC]

Hi, I did reply to this but it seems to have gone to the Mods for a spam check.....but still hasn't appeared?

Sorry it must have been caught by the spam filter for some reason, I've reinstated it (post #3).

[echat11]

Hi, I did reply to this but it seems to have gone to the Mods for a spam check.....but still hasn't appeared?

The following might help you - https://www.fscs.org.uk/making-a-cla...firms/welcome/