Welcome finance gave me a ccj ***WON*** plus Costs & CCJ set aside..'

**smiffer** · 11th July 2009 10:28

Brief outline on this one.
I bought a car on finance from welcome finance back in 2002,i had it for about a year and then i was struggling with the payments,they were £160 a month,i rang my local office and i went in and they said they could lower the payments fo me,they done this by doing the loan again,they dropped them to £92 a month,they said they would add the remainder of the other loan i had to the new one,which was about £2000,i went away happy.After 5 years i finished paying for it in 2006.again i was happy.
This year i recieved a letter saying i still had an outstanding balance of £2000 with them,i in my stupidity ignored it,thinking i had paid it all off.In june i got a letter to say i had been given a county court icon

judgment from northampton court,and i also now have an attatchment of earnings taking £20 a week.I visited my local welcome finance office,and the guy i spoke to said "it was from 2002"now this was when i dropped the payments.i thought they had added it to the other loan,and as i had paid that one off,i thought i was finished but according to them i havent and i need to pay them the £2000 or so to.

Is this right??does this mean they kept the other loan open??

I am at a loss,not sure what to do.

**Spamalot** · 11th July 2009 11:00

Personally I would send a SAR icon

to Welcome and a CA request to see exactly what they have done.. but I understand that Welcome are having problems at the moment so I don't know where that will leave you.

Spam.

**smiffer** · 12th July 2009 09:59

How do i go about sending a Subject access request icon

?and what is a CA request??what did u mean that welcome are having problems??financial trouble,is this why they are chasing me for this

**Spamalot** · 12th July 2009 10:08

Originally Posted by smiffer

How do i go about sending a Subject access request icon

?There is a template letter in the forum, I will try and find it for you. You basically send the letter with a £10 postal order and request all the information they hold on you under the Data Protection Act.and what is a CA request?? A CA Request is a Credit agreement request which is when you ask for a copy of your Credit agreement(s)what did u mean that welcome are having problems??financial trouble,is this why they are chasing me for this It would appear that they are goting 'bust' but I am not completely up on the subject, Others on the forum may be.

I hope this has helped. I'll find the Templates and post them for you.

Spam.

**Spamalot** · 12th July 2009 10:21

Tis is the template for a CA request. I will post the SAR icon

when I can Find it!
http://www.consumeractiongroup.co.uk...tml#post162367

Spam.

**sam614** · 12th July 2009 10:22

http://www.consumerforums.com/resour...est-debt-a-dca

this one for SAR icon

,should contain your cca,no need to request separate,
would send to compliance,
SAM

**Spamalot** · 12th July 2009 10:40

Originally Posted by sam614

http://www.consumerforums.com/resour...est-debt-a-dca

this one for SAR icon

,should contain your cca,no need to request separate,
would send to compliance,
SAM

Thanks for finding that Sam I couldn't remember where it was.

I agree that they should send CA in SAR icon

but I didn't know if it was worth a CA request as it's a shorter time limit to produce.

Good luck smiffer, and it might be worth looking in the Welcome Finance forum to see the state of play with regards to their possible demise.

Spam.

**postggj** · 12th July 2009 10:49

did you sign a new agreement to modify the first.
that is, re-writing the loan

**sam614** · 12th July 2009 10:52

they will try anything to get what they can now,before they sink

would get moved to welcome forum
get postggi to take a look.

send SAR icon

to

welcome finance
ruddington fields business park
mere way
nottingham
ng11 6nz

SAM

**sam614** · 12th July 2009 10:53

postggi has found you

SAM

**andyorch** · 12th July 2009 10:54

Originally Posted by sam614

http://www.consumerforums.com/resour...est-debt-a-dca

this one for SAR icon

,should contain your cca,no need to request separate,
would send to compliance,
SAM

I would advocate requesting your sec 77/78 request seperately and recorded delivery enclosing a £1.00 PO and print your name icon

no signiture.This places the Claimant under time restiction of 12+2 and places them in default of your request quicker than the S.A.R which they will probally ignore.

Regards

Andy

**postggj** · 12th July 2009 11:01

andyorch

i think a cca would be no good on this one as a ccj has been granted.
welcomes response would be that they are under no obligation to provide one now the account has been terminated by a ccj

an SAR icon

is a different matter
they have to, by law, respond

**andyorch** · 12th July 2009 11:06

Originally Posted by postggj

andyorch

i think a cca would be no good on this one as a ccj has been granted.
welcomes response would be that they are under no obligation to provide one now the account has been terminated by a ccj

an SAR icon

is a different matter
they have to, by law, respond

Ok lets see if they provide it within the S.A.R? Bet you they dont.
How many threads on here postggi are S.A.Rs complied with??
In any event im sure the OP is looking to have this CCJ set a side to be able to re defend it and the above request is how I would initiate it.

Regards

Andy

**postggj** · 12th July 2009 11:12

where welcome are concerned with
50-50

mind you cretins work at welcome so on second thought
send a cca request

i might be surprised

**postggj** · 12th July 2009 11:15

smiffer

were the solicitors involved with the ccj a mr cohen

ref the attachment of earnings
did that come from the court
solicitors or welcome

**smiffer** · 13th July 2009 23:13

postggj

Regarding the questions u asked

Yes the solicitor was a Mr cohen from west Yorkshire icon

.
as for the attachment of earnings,i am not sure where it came from as i can't find the paperwork,i could ask the guy at work who does our wages,would he know??

What do you think i should send them?? a cca or the other one,i am not that good with legal stuff so i really have no idea.

i believe i did sign a new agreement,so have i re-wrote the loan,and what does that mean for me?they said they would add the outstanding from the other one,to the new one,i'm sure thats what they said,but it was in 2002 7 years back,and i cant find any of my agreements,i know i have kept them,just not sure where (DOH)

andyorch "is looking to have this CCJ set a side to be able to re defend it".Yeah this would be what i would like to do.

Is there anyway i can get a copy of the agreements i have made with them??

Is this the welcome finance forum
http://www.consumeractiongroup.co.uk...archid=2570607

i done a search and thats what i got?Oh big thanks to you people for trying to help me,much appreciated.

**postggj** · 13th July 2009 23:22

you need to send welcome an SAR icon

to compliance

welcome financial services
compliance
ruddington fields biz park
ruddington
nottingham
ng11 6nz

send recorded delievery
enclose ten quid postel order
print dont sign icon

your name

we will get this ccj set asside if its the last thing i do as its cohen again

cretin

**smiffer** · 13th July 2009 23:28

who do i make the postal order out to??or do i leave it blank.

do i use what sam posted in an earlier reply to this thread.this one
http://www.consumerforums.com/resour...est-debt-a-dca

do i just print it,and put my name on the bottom? sorry to ask to many questions but i really am not sure .

**postggj** · 13th July 2009 23:33

that links from sam is sound
make it payable to welcome financial services

important

just print your name icon

never sign

send recorded delievery

turning in now

see you all tomorrow

**andyorch** · 13th July 2009 23:35

Smiffer

I would request both then you have all bases covered,Only costs a £1.00 PO.Leave the PO blank just retain your reciepts and proof of postage.They will not comply fully with the S.A.R but if they ignore yout CCA sec 77/78 request they know the law and would look excellent in your Defence should you succeed in setting a side.

Regards

Andy

Thread: Welcome finance gave me a ccj WON plus Costs & CCJ set aside..'

Thread Tools

Search Thread