Thread: ccj to with welcome.now dispute

hi all, this is my first post, so be gentle.
i have just read mungrymatts thread, and i feel i'm in the same situation.
had a ccj against my wife with welcome, the solicitors involved were irwin mitchell.
we felt really pressurised at the time and had major panic when it neared the court stages, we didn;t get any advice and welcome accepted our offer of £100 per month. which we've been paying for for 3 months now. then we recieved a letter off welcome listing charge after charge. capitalisation,court fees.taking what we owed them to £7200. rang them and they said ignore it the amount is what ever irwin mitchell say!?
however, before all the court thing started we had sent SAR letter twice, no reply, also started trying to get PPI miselling as my wife was made to assume if she didn't take it then she'd get no loan. again no replys, until all the threatening letters and threats of legal proceedings.
we just seemed to sit back and accept anything that welcome threw at us, having read mungrymatts post just wondered if there was anything we could do.
my wife took the first loan out in nov 2004, then stupidly(in hindsight) took out and resigned for a newer and larger loan in july 2006.
on both there was ppi, but on the newer loan they've craftily added medicare, which on the first agreement they said on the agreement it wasn't suitable for her.
sorry this post is long, it's just all muddled up in my head at the moment.trying to get too much out at once.
hope someone can shed some light on this. still have the agreements.

can anyone help me with this, i feel like there is something i could do but to be honest don't know where to start its all a big mess, it would be a huge weight off my shoulders if i knew there was a possibility of me screwing them for a change.

histepwayne

just got to have a nose at your thread

so , you have the full SAR back DO YOU NOW

google photo bucket and upload all the agreements minus personel details

use the upload link for message boards with out thumbnails option to post

also post the default notice


THE CCJ CAN BE SET ASSIDE WITH THE OK FROM A JUDGE

WE JUST NEED TO PUT WELCOME INTO A CORNER WHICH IS QUITE EASY REALY


CHIN UP

thanks postggj, will try and upload all i have.thanks for taking interest.

Pictures by stepwayne - Photobucket

i think this is the link to my agreements. having trouble!!
not sure i have the SAR, just have a statement listing charge after charge, this is from before the court stages.
i think the default notice is there too.
i'm a little bewildered by this at the moment.

oh, theyre not in order so i numbered them in the order they should have gone on.
thanks to anyone that can help

hi stepwayne

gotcha welcome

as usual, default notice is crap


one thing i spotted

i take it welcome re-wrote the loan
why do you have another agreement

what you should have is an agreement to modify the first

i see they stung you for PPI
gave no rebate when you re[wrote the loan
then stung you for these insurancies again on a second loan

boy did they see you comming

not being critical, seen it to often

so

DEFAULT NOTICE IS CRAP
WELL THE INSURANCE BIT IS A TOTAL RACKET
COMMISSION HUNGRY BAR STEWARDS

HOW ABOUT GETTING THIS CCJ SET ASSIDE

IT WILL COST YOU 75 QUID

YOU UP FOR IT

without a doubt, feel i've been sh%t on from a great height, was suprised it has happened so often to so many people. what next. can i really do something about this?

As This Is A Ccj
Only A Judge Can Set It Asside
That Will Be As Though It Never Exsisted

I Want You To Take A Stroll To Your county court

Ask The Girl At The Desk For Some N244 Forms
This Will Cost 75 Quid And Will Prob Take 3 Months
Come Back To Your Thread Then And Ill Have It All Written Out For You The Application

Just Give It To The Court And Then Its Just A Waiting Game

Can See No Reason For Not Setting Asside The Ccj But It Is Up To The Judge
They Have Bad Days As Well

thanks, really appreciate the help, has this happened before? what is the possibility of it being set aside. what if the judge says no. could i appeal or go somewhere else.
should i send an SAR off? i have copied the one you gave mungrymatt. its in an envelope ready to go, should i send this?
do i need all the information from the n1 forms?etc.
do i pay for the forms when i get them or when i've completed them and return them?
sorry for all questions but i need to know i'm doing the right thing.
thanks again...you're a saint

Get The SAR Sent Off Asap Recorded Delievery
Send To
Welcome Financial Services Ltd
Compliance
Ruddington Field Biz Park
Ruddington
Nottingham
Ng11 6nz

There Is A Chance Of Not Setting Asside A Ccj, Like I Said Its Up To A Judge And As A Rule Are Very Fair

Dont Worry About Forms Etc
Just Get The N244 Form From The Court

Ime With You Every Step Of The Way

By The Way

Ive Had Two Ccj Set Asside

It Realy Is Not That Bad

thanks ...you've put my mind at ease a little. just want to get them for putting myself and my wife under enormous pressure.

You Just Have To Know What Crap Welcome Will Say Before The Say It
Anticipate There Letters

Drives Them Mad It Does

so, have you had a bad experience with them? did you do them over?
as i said before what if the judge doesn't set it aside? is that the end of it? what will happen if it is set aside? will i still owe money? what about PPI and charges.? sorry for multiple questions, just don't have a clue which i suppose is how they got us...we were desperate.thanks again

Ok, Sit Back And Relax

I Have Taken Welcome To Court Myself And Won
I Gained Great Advice From Valued Members Of The Forum And I Now Pass That Knowledge On

My Score Is Now Six Out Of Six With Welcome
They Dont Like Me Very Much As I Have Cost Them A Lot Of Money

Dont Worry About The Set Asside
Ime 99.9999% Sure It Will Be, You Just Have To Show Good Cause And A Realistic Chance On Winning Another Claim.

When Its Set Asside, Welcome Can Then Issue New Proceedings Against You If They Wanted, It All Goes Back To Stage 1
Thats What We Want

At The End And When We Win, Well When Welcome Discontinue The Action, You Are Free Of Welcome.

Well To Issue Another Claim, They Will Need The Permission Of The Court Which Would Be Unlikly, They Had There Chance

I Can Tell You Now That I Will Have Them On The Micky Mouse Insurance So

Chill
Relax

You Are Now In Control
Not Welcome

Enjoy Turning The Screw

sounds even better. thanks. i have a smile now.so glad i found you!!
will do as you say, then get back. will let you know of updates. many, many thanks.

Originally Posted by stepwayne

one other thing..do i keep paying the court order of £100 per month?

YES UNTILL YOU HAVE THE COURT ORDER SAYING THE SET ASSIDE HAS BEEN GRANTED

TO SET ASSIDE SHOULD TAKE NO MORE THAN THREE MONTHS

ok. will do then. thanks

are irwinn mitchell easy to deal with? as thats who welcome say hold the figures?