Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



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.

£19.99 + £1.50 (P&P)


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  1. #281
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    What's funny is the alpha/prime letter was dated 2 days after my CCA Requesticon was received!!! I've got roughly anothervweek for the Response to that. And the solicitors letter 5 days later?! Anything to put in the letter or keep it short and sweet?? Does that go to prime or the solicitor?


  2. #282
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    Very short to sols

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  3. #283
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    Ok do I wait for the reply to CCA Requesticon or write to solicitors immediately?


  4. #284
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    Now

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  5. #285
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    Okey dokey will do a draft tomorrow and post up can you help edit it?


  6. #286
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    How's this looking dx?
    Just noted on stament it says cheque fir 1.00 on 13/3/17 so that maybe my postal order for 1.00? They received my CCA Requesticon on the 10/3. I'll send you a pm now with this statement too

    Dear Sir or Madam,
    You have recently tried to contact me regarding the account with the above reference number which you claim is owed by myself at an old address of

    I have no knowledge of any such debt being owed to Alpha Credit Solutions 4 S.A.R.L and neither have I received a notice of assignment regarding this debt and have already requested a CCA from them which I have yet to receive.

    Your client may inform you that am I in arrears with loan payments. But what you client does not realise that this loan is in serious dispute with the previous owners and has been since March 2016.

    This loan is entirely made up of repeated Irresponsible lending from 2001 onwards 9 times to be exact some no more than 4 months apart. With each loan already in arrears and numerous penalty charges levied without the proper credit checks carried out. There were also numerous missoldicon PPI, lifecare, homecare, Medicare, personal accident plans and mortgageicon indemnity fees. Which cost several thousand on each one.

    Any court claim you may make will be vigourously defended on all the points above.


  7. #287
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    god those statement are crapp...


    no running total
    what the hell is pay ahead allocation???

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  8. #288
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    Makes absolutely no sense to me either.

    I was hoping you'd be able to decipher that?

    Your guess is a good as mine. ��

    How's the letter?

    Have I covered enough?

    Seems to me they received the CCA Requesticon and passed it all over to a solicitor..
    , why would they do that?


  9. #289
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    not got the brains at present


    no that letters' not really up to it
    i'll see later.


    dx

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  10. #290
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    Much appreciated as always. Not my strong point letters.


  11. #291
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    Default

    What's the likelyhood of this company going for repossesion. I'm a bit concerned now I've had the solicitors letter. And they've only given me 7 days in which to respond. That's Friday the 14th

    Do I also need to get the complaint letter like I sent to welcome off to alpha now too?


  12. #292
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    yea that'll do fine

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  13. #293
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    What will do fine. Im worried about the repossession threat. I'm still waiting for you to edit the letter post 300 and the draft on 319 you said they weren't up to scratch and you needed to look through them. Thanks in advance


  14. #294
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    your original complaint to welcome will suffice well.
    send that

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  15. #295
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    So send post 300 to alpha? And wait for you to help out on solicitors one is it?


  16. #296
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    Alpha draft headed account in serious dispute is this ok to go?

    I wish you to consider the removal of a charge dated 19/10/2006 that you now hold against my property by a Deed of Variation dated 17/09/2016. Copy enclosed.

    The history behind this loan are as follows:

    On 11/10/2001 I took out a loan ... for 7369.39 which had 1473.22 PPIicon and 130.00 Medicare added to it

    On 10/06/2003 this was rewritten to .. for 9809.68 and 1804.68 PPI.

    On 31/03/2005 this was rewritten to ... for 11423.67 and 1108.79 MIF.

    On 14/07/2005 this was rewritten to ... for 13886.71 and 1352.87 MIF.

    On 29/12/2005 this was rewritten to ... for 14792.00 and 1442.59 MIF

    On 31/10/2006 a new loan was taken out ... for 8019.62 which had 1485.75 PPI, 180 life-care and 125 homecare with 2768.59 interest added to it.

    On 03/04/2007 this was rewritten to ... for 14602.15 which had 2425.15 PPI and 175 personal accident plan with 3339.03 interest added.

    On 05/10/2007 this was rewritten to ... for 26741.20 which had 4506.20 PPI and 10342.54 in interest added to it.

    On 30/08/2008 this was rewritten to ... for 30514.32 which had 2307.70 PPI added

    Each of the above loans either had PPI, Life Insurance, MIF, Medicare or personal accident plans added to them. Costing me several 1000 on each one.

    All of the above were forced upon me by a company called progressive/welcome finance. However the total of all these with regard to the rolling interest charges too far outweighs the sum secured by the charge against my property.

    I feel it was very irresponsible for to this company to have been constantly refinancing these loans [9 times - some no more than 4 months apart] on the basis they were more affordable, when each loan was already in arrears with numerous additional penalty charges already levied.

    I politely request that you remove the legal charge you hold and null any remaining outstanding balances due to this history of their Irresponsible Lending.

    So thus coming to a simple resolution for both parties, without the need for extensive involvement of the fosicon/FCA/ICOicon etc nor court cases.

    I wish to avoid the above said actions, because this could become a very messy situation for all involved.

    I also started investigating the irresponsible lending complaint concerning the above company before this debt had been sold to yourselves. I am now in contact with the FOS and the FCA regarding this.

    They have mentioned their hands are tied due to welcome entering in a scheme of arrangement. But in any other circumstance they would be fully investigating and they are keeping everything on file until I contact you the purchaser.

    I thank you for you time on this matter and look forward to hearing from you within 28 days.

    Regards


  17. #297
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    Do I wait on the response from alpha to CCA before I send the letter above I sent it on the 9/3 and they signed for it on the 13/3 so if its 14 days from date signed for then. I should have a reply on the 27/3 week today?! Or should I just send it anyway


  18. #298
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    i'll try and advise if I get time cruz..


    dx

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  19. #299
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    Default

    It's the solicitors I'm more worried about and I need to get something into them by Friday 14th

    Sorry typoicon error solicitors letter has to be in by Friday 24th March as they sent letter out on the 17th and have given me 7 days to Respond.


    So draft on post 319 as far as I've got for solicitor if you could have a look I'd be more than grateful. Thanks

    Really need some points for solicitors letter as it needs to go in post thurs.


    I'm rather worried now to tell the truth.


  20. #300
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime - bal all penalties/PPI/MIF/LIFE/PPI - help

    you don't need to write to the solicitors at all
    they can only be instructed
    not take action on their own
    ignore them and their time limits.

    their client alpha are your target.

    I write in reference to various letters from yourselves and your legal representative dated between xxx date and xxx date.

    I politely suggest you gain my full file from welcome finance and study it very carefully.

    The debt and its subsequent legal charge dated 19/10/2006 that you now hold against my property by a Deed of Variation dated 17/09/2016,
    is in serious dispute, with various complaints concerning with the fosicon, FCA, ICOicon and the FSCS.

    The history behind this loan are as follows:

    On 11/10/2001 I took out a loan .... for 7369.39 which had 1473.22 PPIicon and 130.00 Medicare added to it

    On 10/06/2003 this was rewritten to ... for 9809.68 and 1804.68 PPI.

    On 31/03/2005 this was rewritten to ... for 11423.67 and 1108.79 MIF.

    On 14/07/2005 this was rewritten to .. for 13886.71 and 1352.87 MIF.

    On 29/12/2005 this was rewritten to ... for 14792.00 and 1442.59 MIF

    On 31/10/2006 a new loan was taken out ... for 8019.62 which had 1485.75 PPI, 180 life-care and 125 homecare with 2768.59 interest added to it.

    On 03/04/2007 this was rewritten to ... for 14602.15 which had 2425.15 PPI and 175 personal accident plan with 3339.03 interest added.

    On 05/10/2007 this was rewritten to .... for 26741.20 which had 4506.20 PPI and 10342.54 in interest added to it.

    On 30/08/2008 this was rewritten to .... for 30514.32 which had 2307.70 PPI added

    Each of the above loans either had PPI, Life Insurance, MIF, Medicare or personal accident plans added to them. Costing me several 1000's on each time.

    These were forced upon me by progressive/welcome finance staff.

    The total of all these, along with the rolling interest charged upon them, far outweighs the sum secured by the charge you now hold against my property.

    It is also to be noted that Progressive/Welcome Finance acted irresponsibly toward me,
    consistently and constantly allowing me to refinance the initial loan some 9 times
    - with little or no affordability checks and in many instances no more than a handful of months apart.

    Each loan was already in serious arrears at each refinance,
    each time contained numerous penalty charges for all manner of 'indiscressions' like penalties for writing a letter, being in arrears, being late to pay, sending debt managers, use tracing agents, making telephones call and various other penalties. Again if all these and their interest were to be taken into account, this even further far exceeds the sum outstanding.

    I hereby suggest a simple resolution for both parties, without the need for further extensive involvement of the fos/FCA/ICO/fscs.

    The above have all mentioned their hands are tied due to welcome entering in a scheme of arrangement.

    However each have indicated in other circumstance they would be willing to fully investigate my claims and they are keeping everything on file until I have contacted you the purchaser directly with the following recommendation.

    I politely request that you remove the legal charge you hold and null any remaining outstanding balances due to this history.

    I thank you for you time on this matter and look forward to hearing from you within 28 days.

    I politely point out that any legal proceedings will be vigorously defended and the above WILL be entered as a counterclaim to such.


    I think you for your time.


    please note my change of address
    I have not lived at the property for xx years
    and despite numerous letters advising this
    it has never been updated.

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