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. #401
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    Heres what I've been sent from prime since Dec that I know about. All to the wrong 2 addresses.

    Since the 17th March they have written to me at correct adresss

    On the 8th march I sent a CCA Requesticon with a debt in dispute letter. But also informed them of my new address requested that all copy's of correspondence that's gone to old addresses be sent to me. Not received anything to date

    On the 17 march I received a solicitors letter to old adresss not security address post 312

    25 march sent the letter dx posted above

    29 march sent another stand alone CCA

    Welcomes response to where the refund has gone here too
    All responses here in PDFicon

    Over the weekend I'm going to go back through the statements and compare what's gone out of my bank from 2008 to 2015 which I've got a breakdown of already and anything else that was paid to welcome between 2008 and 2015.

    My breakdown was around 17grand but some could have been returned need to double check on that as there was many random one off payments debit card and direct debiticon but for almost 2 years after divorceicon it was paid monthly out of my account by direct debit.

    Without fail I must add! Until I thought what am I paying and why?

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  2. #402
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    Missed the postman today. An A4 letter that has to be signed for is now in the sorting office waiting collection and unfortunately I have to wait till tues to see what it contains!! Watch this space! Tues can't come quick enough! ��


  3. #403
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    Welcome 2nd SARicon received.
    I'm inboxing you now dx.
    Very small in comparison to the previous one
    The arrears that were referred to solicitors are 3342.42


    how this is made up I'm unsure but the monthly payments are supposed to be 231.49.
    The debt was sold on 20/09/2016 after welcome received letter about all the missoldicon stuff and me requesting they remove the charge.

    How did the arrears occur.
    The arrears have occurred as the new company have been writing to 2 old adressses

    How do I intend to pay the arrears.
    I have spent the last year finding out as much as I can with regards to the old debt which is made up of penalty charges and Ppi as well as other insurances.


    So was going down the reclaim route but the old company sold the debt.
    Which in the meantime almost 8000 was awarded but has not reduced this balance.
    However I have written confirmation from welcome that they bought that back from alpha.

    The original loan started in 2008 at 27,971.82 was due to run from 300 months at 231.49. 21,794.45 has already been paid towards this


  4. #404
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    Quote Originally Posted by dx100uk View Post
    if you cant use the irresponsible lending route in a repo case.


    then I bow to ell-enn expert knowledge...

    What about when we are talking about 2 different company's the original lender and the new buyer. Dx I know you said months ago see if they will go down the court route then the fun starts... Now I'm more worried than I was over a year ago!! But one things for sure they don't want to respond to what I've sent them. But I'm still left wondering if the repo is to frighten me into paying them or it's just what they do?


  5. #405
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    Hi, do you have paperwork showing the balance Welcome had before selling it to Alpha and the balance that Alpha show on the court papers - are they both the same? If so, then your defence will be that the balance they claim is not correct and 8k refund should have been removed from the outstanding balance.

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  6. #406
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    In the SARicon from welcome I received in April 2016 the closing balance was 25,384.31 on 1307/15

    I have a letter dated 3/11/16 from welcome saying the debt was sold to alpha credit in June 2016.

    In the paperwork I received from welcome this week it says bad debt sale on 20/09/2016 26.152.32. So if that's the case there would be 6 missed payments from then till now at 231.49 which come to 1388.94

    On the title deeds I paid for at land registry on 08/02/17 the charge was varied by a deed of variation on the 17/09/2016

    Lightfoots letter on 17/3/2017 says that I am in arrrears with loan payments in sum of 3,342.42 and the current outstanding balance amounts to 26,404,52

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  7. #407
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    When were Welcome supposed to have taken the 8k off the balance ? was it after the closing balance of 25,384.31 in July 2015 ?

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  8. #408
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    No The payment was made on the 18/01/2017.welcome have said the re purchased back from Alpha.

    I have just noticed if you you add the the balance from the bad debt sale on 20/09/2016 which stood at 26,152.32 from 13/12/15 until now to the 2 field agents charge of 51.60 on the 26/01/17 and the 10/02/17 and the referral to solicitors fee 150 on 13/03/17minus the 1.00 for CCA that comes to 26.404.52.

    So in retrospect the balance is the charges added to the amount alpha bought t the debt at.

    Dx can you have a look at the statements in the original solictors letter I sent you and compare with the one I'm about to send you now as there's an extra column in this one from possession order only just noticed


  9. #409
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    what payment was made on 18/01/17 ??

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  10. #410
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    Welcome have apparently re purchased almost 8000 back from alpha the amount I was awarded in PPIicon from the FSCS. As they don't pay to the customer the take off any outstanding loan balance.

    http://www.consumeractiongroup.co.uk...4&d=1484312125

    http://www.consumeractiongroup.co.uk...6&d=1491484443


  11. #411
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    So 7888.39 should have been taken off the balance that Alpha are claiming in the court papers - is this correct ?


    We need to be absolutely sure of this.


    Do you have anything in writing from Welcome stating the balance they sold to Alpha in 2016 ?

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  12. #412
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    Yes it should have.

    Nothing from welcome in writing about the balance only the statement saying bad debt sold 20/09/2016 very contradictory to their letter Nov 2016 saying sold to alpha in June 2016 on but got in writing about the repurchase from alpha .

    But I have it on an email from the fosicon that welcome had sent info over to the. and that debt was sold on 20/9/2016 for 26,152.32


  13. #413
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    OK, you will need :
    to print out the email from the fosicon stating that Welcome sold the debt on 20/9/16 with a balance of 26,152.
    A copy of the letter from the FCSC showing the compensation awarded
    A copy of the letter from Welcome stating they took back the 7,888


    If Alpha are stating in their possession claim that the outstanding balance is still 26 k then the figure they are claiming is incorrect. The outstanding balance should be approx. 18,270


    Have I got this right ?

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  14. #414
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    That's not a problem at all. I got 3 files full of everything I've obtained in the last 18 months. Lol


    You are 100% correct but any balance is to do with Welcome miss sold products and irresponsible lending from 2001 onwards. Can you inbox me an email address so I can send you some sensitive docs please.


  15. #415
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    42 days have passed from 1st CCA Requesticon and disputing debt letter

    28 days have now passed from account in serious dispute letter

    23 days have now passed from stand alone CCA Requesticon

    Surely that can't be good?


  16. #416
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    I know you think you have a lot of information that might help you avoid paying this claim but quite frankly the only defence I can see at this time is the one you won't use. So now you have to go with what will keep the roof over your kids heads i.e. enter a defenceicon that the balance is not correct and make an offer to pay something towards the arrears in addition to the normal monthly payment once the outstanding balance has been corrected. This may get you an adjournment while the judge orders the claimant to produce the correct figure, but at the end of the day if arrears are owed the judge will expect you to pay.


    The judge will not consider there is an unfair relationship because you think the interest rate is high - he would deem that you had the opportunity to refuse the terms and conditions of the loan if you did not like them at the time of signing.


    I'm happy to draft a defence regarding the incorrect balance owed - let me know what you want to do.

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  17. #417
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    do it cruz
    the arguing can continue afterwards

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  18. #418
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    I totally understand what your saying and agree with the defence.

    I have not received any form of credit agreement from alpha and no default notice either. So should I have reviewed these before court papers were issued?

    I already realise it's in my name and my house and the problems with that being I would be the one that's owes the money.

    Does counterclaiming come after I've filled the defence with regards to the original penalty fees and miss selling of insurances.


  19. #419
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    Quote Originally Posted by dx100uk View Post
    do it cruz
    the arguing can continue afterwards
    I thought the getting to court would enable me to go at the for the irresponsible lending?? Or is that different time?


  20. #420
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    Default Re: Welcome secured loans/charge - now sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI - help

    different court poss diff time.


    this is about repo
    its needs to be resolved.
    a repo case is not the time to do it sadly

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