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PPi Issue on a Welcome credit agreement
Today i was looking at reclaiming my PPI
on a Welcome Finance loan i had in nov 2005
and found out that the FSFC or Welcome should have sent me a reclaim form.
I then contacted welcome to find out where my form was
to be told that they did not do the ppi but a company called style finance did , and that they no longer existed.
I phoned the FSFC on this matter and after some time was told that style finance was really HPAS Ltd
and had no authority to sell ppi as of june 2005.
I was told by FSFC to phone them back and ask why they had dealt with a company that had no authority to sell ppi ,which i did ,
to be told by welcome that they had never come accross this situation before ,and was put on hold while he consulted other people.
He came back and had no answers as to why welcome had dealt with a company that had no authority to sell ppi.
I then phoned fos and explained my situation ,they also ran checks and found that HPAS Ltd had no authority to sell my the ppi.
I have had to send my credit agreement to FOS so they can have a look at it.
My question is ,
Lowells are threatining all sorts as they have taken over the debt ,
could my credit agreement be worth nothing as welcome dealt with a company that had no rights to sell ppi
on a Welcome Finance loan i had in nov 2005 and found out that the FSFC or Welcome should have sent me a reclaim form.
I then contacted welcome to find out where my form was
to be told that they did not do the ppi but a company called style finance did , and that they no longer existed.
I phoned the FSFC on this matter and after some time was told that style finance was really HPAS Ltd
and had no authority to sell ppi as of june 2005.
I was told by FSFC to phone them back and ask why they had dealt with a company that had no authority to sell ppi ,which i did ,
to be told by welcome that they had never come accross this situation before ,and was put on hold while he consulted other people.
He came back and had no answers as to why welcome had dealt with a company that had no authority to sell ppi.
I then phoned fos
and explained my situation ,they also ran checks and found that HPAS Ltd had no authority to sell my the ppi.I have had to send my credit agreement to FOS so they can have a look at it.
My question is ,
Lowells are threatining all sorts as they have taken over the debt ,
could my credit agreement be worth nothing as welcome dealt with a company that had no rights to sell ppi
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