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HPH2 Chasing Old Welcome Debt


dcahater76
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Hi All,

 

Came home from work today to find a letter packed with 6 monthly statements of account going back to 05/03/2010

this was for a welcome debt that I stopped paying sometime in 2007 or possibly earlier.

 

 

I have been chased by robbers way about this debt

I have ignored them because I know the debt is statute barred.

I wonder why they have sent this lot (the letter states un CCA 74 they should have been sending these every six months but failed to do so).

 

The other point it that the first statement is from 05/03/2010 showing no transactions on the account

which in my eyes means they have just admitted that the debt is statute barred

(and indeed all the statements up to september 16 show no transactions).

 

 

I never got chased by welcome when I stopped paying them

(due to extended period in hospital and out of work for 8 months)

funnily enough I only started hearing from robbers way about 6 months ago random phone calls and the odd letter.

 

Anyone else had this?

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Standard practice for RW and Hoist, watch out for sneaky backdoor ccj. Have you moved since this loan was taken, do they have your current address?

SB or not wont stop these clowns applying for default judgments through previous addresses

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Standard practice for RW and Hoist, watch out for sneaky backdoor ccj. Have you moved since this lian was taken, do they have your current address?

SB or not wont stop these clowns applying for default judgments through previous addresses

 

They sent it to my current address simple thing is the debt was defaulted in 2007 nothing at all happened till mid 2016 so they have not got a hope in hell of enforcing this the statements all show no payments and the earliest was from 05/03/2010 to my mind they just admitted to the debt being statute barred!

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Ignore them, there is zero point in getting into a game of letter tennis with them.

 

Wait for the muppets to issue a claim, if they do, then you have a complete defence of SB, and they've wasted their valuable money, poor darlings!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Think if they try to take me to court for a 4k debt

which I havent even acknowledged or paid anything in the last 9 years

must mean that Hoist/Robbers way have lost the Plot

 

 

the pack was statements from 05/03/10 up to september last year

the point being they show no activity on the account at all

just the account balance never decreasing at all

 

 

happily they sent this on 06/04/16 which is exactly 6 years and 1 day from the date of the first statemen

t which must mean some muppet at hoist must have realised that they have acknowledged the debt is statute barred

 

 

I may send a SAR to them just for Fun.

They must have realised that old welcome debts are Lemons after all when did Welcome die must be nearly 6 years by now

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not alot of real point in an sar to a DCA

better to the OC

 

 

prob find stuff to reclaim too?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

been reading through the forums and have decided to send a SAR to Welcome Finance.

 

Going to get a £10 postal order this week and send off the letter.

 

I guessing there may be some PPI to reclaim will update when I get the SAR Back.

 

My question is if there does prove to a reclaim of the PPI

 

how do I go about this not had any experience at this before.

 

Thanks in advance

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Type in welcome PPI in our search cag box top redtoolbar

 

If the loan is prior to 2005 they might refuse you.

You'll see why when reading threads

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Im pretty certain that the loan dates from 2005 cant be certain I stopped paying it in April 07 due to being out of work and in and out of hospital just interested to see what they have hold of. Thanks DX

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sar then first

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 6 months later...

did you do a spreadsheet as welcome always short settle?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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did you do a spreadsheet as welcome always short settle?

 

 

dx

 

Yes used the sheet got the full amount was quite surprised they didn't argue.

 

 

The SAR info I got back was quite comprehensive

I adapted the letter in the cag library and added the exact particulars of what I was claiming and also in a appendix showed the calculation I used.

I did not want to get into tennis with them.

 

 

Got a letter back the week after I sent it stating they were looking into it

 

 

then at end of December they wrote agreeing to my claim just waiting on the payment which according to them I should receive by Friday

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Well done dcahater

 

If you can update once monies have cleared and we can amend your thread title to reflect the outcome.

 

Regards

 

Andy

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