Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
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    Default Atlas Collections aka Welcome finance

    Amongst other issues dispute with Welcome Finance, initially attempting to repossess car "forthwith no court order needed" as it was "linked" to a joint personal loan the hp in my name only and not in default +over1/3 paid Dealt with that one sharpish.When over 1/2 paid finances tight with divorceicon very carefully enquired regarding re negotiating payments advised not possible so again very carefully said that I wished to exercise my right as sufficient sums had been paid to return the vehicle in full settlement, after some time I had to sorn it and put it into secure storage. Then it was removed. Then the you owe thousands letters started eventually told to put up or go away...long silence now after sending a notice they are terminating agreement and will recover car( been gone a year) calls and finally a letter asking for 2,064.19 from Atlas who are "a trading name of Welcome Finance" I have replied:

    17/11/2011
    Dear
    RE: Notification of Instruction
    Your ref:

    Thank you for your letter 14/11/11 advising me that you have instructed yourselves to deal with this matter.
    As you have already no doubt carefully noted the letters and faxes sent regarding this issue you will be aware that there is no outstanding liability to yourselves for yourselves to pass to yourselves trading under any name and I am therefore surprised that you have instructed yourselves in this manner. I assume that the turmoil caused by the recent financial difficulties of the group may have introduced some lack of clarity within your procedures.
    This matter has been discussed with yourselves in detail before your cessation of loan activity and restructure and I see little point in resending the letters etc. to you acting for yourselves under a different name.
    I would make clear to you that I will not accept any dealings with yourselves trading under any name or by agents acting on your behalf, by means of phone callsicon, texts or any other means of communication to any phone number or other electronic account that you now hold or may obtain.
    I will take appropriate and proportionate action should any such contacts re-commence.
    It is your responsibility to ensure that any such agents comply.
    As you have drawn my attention to this matter I had considered closed I will of course undertake a review and I will contact you as soon as is practicable should I find any miss-selling, over or unlawful charging or practices which would give grounds for my making a claim against yourselves.
    Yours faithfully
    Anyone had any dealings with Atlas Collections?
    I suppose a SARicon is next and settle in for a long haul


  2. #2
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    Default Re: Atlas Collections aka Welcome finance

    Got a response? today from Atlas exactly the same letter as the first one with a newer date on it from the lack of posts I assume atlas is a new welcome finance production?


  3. #3
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    Default Re: Atlas Collections aka Welcome finance

    Hi yes I believe you may be right about Atlas, I have been a member of CAGicon since early 2007 and cannot remember them appearing before. The only problem I can see with your letter above is that their are far to many words of more than four characters in it you must remember it is the same well trained phone monkeys that read these letters and they do not have much as one brain cell between them. The other thing being that unless a letter contains a payment they never admit to receiving it.

    For now I would just ignore them that hurts them more than anything else.

    dpick


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    Default Re: Atlas Collections aka Welcome finance

    Again error on post then when you resubmit it's double posted. Funny it dont add 2 posts to my total only the one.


    dpick


  5. #5
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    Default Re: Atlas Collections aka Welcome finance

    I know but I am having real debt problems with real companies and this is my sad light relief The last call I had was an Official one from the company I enjoyed the ability to ask were all the other ones unofficial and done in his spare time remember the Python Argument sketch?
    I record calls and this seems to upset them especially when they say I cant. I would agree though with this lot the simian cast of Planet of the Apes would probably have a case for defamation for the suggestion that there relatives were involved.


  6. #6
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    Default Re: Atlas Collections aka Welcome finance

    Have you done a CCA Requesticon?

    The Banks lend you Credit that is created out of nothing - FACT.

    Only 3% of the Money in the Uk is in the form of notes and coins - the rest is created by banks as debts - numbers on computers - nothing more.

    Money should be our servant - not our master - Its Time to reform the Banking system

    For more info on how banks create loans from nothing - The problems of our debt based economy - and what the solution is - look here


    Further Reading and articles on our debt based economy found here

    http://prosperityuk.com/

    The campaign for this reform is backed by a group of economists, lawyers, engineers, former civil servants, university academics and business people as well as the public.
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  7. #7
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    Default Re: Atlas Collections aka Welcome finance

    I have copies of all documents but will be doing CCA Requesticon
    The phone is becoming a nuisance call today 15.27 advised caller asper letter will not discuss over phone, 15.28 same 15.29 same then voicemail 15.30 call again,15.35call 15.37call again answered and advised caller that calling on my duty phone is interfering with me in course of my duties and would put a case file together laughed at but calls stopped.


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    Default Re: Atlas Collections aka Welcome finance

    List the date and time of every call - and what is said. Reminds me of Harrison v link financial

    Report all of this to the OFT - very important - this shower needs dealing with.

    Send them this letter to stop the calls.

    http://www.consumeractiongroup.co.uk...esponse-letter

    Here is a couple of links you may find interesting regarding the phone callsicon.

    http://www.kingschambers.com/news/la...antile_judge_/

    The case itself.

    http://www.bailii.org/ew/cases/EWHC/...e/2011/B3.html

    The Banks lend you Credit that is created out of nothing - FACT.

    Only 3% of the Money in the Uk is in the form of notes and coins - the rest is created by banks as debts - numbers on computers - nothing more.

    Money should be our servant - not our master - Its Time to reform the Banking system

    For more info on how banks create loans from nothing - The problems of our debt based economy - and what the solution is - look here


    Further Reading and articles on our debt based economy found here

    http://prosperityuk.com/

    The campaign for this reform is backed by a group of economists, lawyers, engineers, former civil servants, university academics and business people as well as the public.
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