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. #781
    Site Team The Consumer Action Group Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch's Avatar



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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Well they could have posted that for what it is...the hand delivered is to intimidate you ...and its working.......look if they wish to pay someone 70 to hand deliver instead of a first class stamp...thats their choice..you didn't request it ..you didn't agree it...that cost must be incurred by themselves .

    What if he does return and the kids are in...dont answer the door or do so and ask what he wants ?

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  2. #782
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    What he/prime wants is to find out how I am to pay so called arrears on loan currently standing at 4702.47 lol at an affordable offer.


  3. #783
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Then dont open the door...

    We could do with some help from you

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  4. #784
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    they are NOT BAILIFFS
    tell 'em to do one and never return or you'll call the police on 101

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  5. #785
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    This guy who called today would be the Field Agent they said they were going to send - they obviously havn't cancelled his visit. Sub prime lenders love sending these guys out as they think it makes them look as if they are engaging with you and trying to help - however they will have added somewhere in the region of 90 for the privilege of him calling on you unannounced. You need to write to Prime telling them that you did not request or agree to their Field Agent calling, that he left a letter in an unsealed envelope with an individual who has nothing to do with this matter and you don't expect to see any charge for this visit added to your account.

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  6. #786
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Letter edited added that bit in Ell-en thanks.

    All ready to go in the morning.


  7. #787
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Just had this from court. What does liberty to restore provided no such application is issued by mean?

    Attached Files

  8. #788
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    if they don't do nowt by the date - its dead
    they cant do what ever they took you to court for

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  9. #789
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Ok thanks.. just wait and see what they pull out the bag next then..

    I'm sure I'll be back soon


  10. #790
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Prime/Alpha received letter yesterday..

    phone callicon this morning from excel... once he said where he was from I stopped him and told him I had no wish to speak to him.

    He said all his wanted to know was. Again I stopped him saying he's been miss informed and to go to alpha as debt has been subject to 2 lots of court proceedings.

    But again he said he needs to know. Wish I'd let him elaborate lol

    I told him as far as I'm concerned that's all he needs to know.


  11. #791
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help



    We could do with some help from you

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  12. #792
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Am I to reply to the SARicon I received from prime at all?


  13. #793
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    a SARicon is to get a copy of the information a company holds on you.
    Why would you reply?


    You need to use the information they have provided to see if it is correct,
    that they are processing any information held properly and fairly
    and that they have provied you with a copy of everything in a clear format with explanations of any jargon they use

    You need to be looking at the accounts to see what they have added in the way of charges and fees, interest, penalties or whatever so you can challenge ther activity and the totl they claim is still owed. When you know all of this you can write to them but to demand a refund or account adjustment.


  14. #794
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    It's a bit more confusing than that.

    As they say a loan is outstanding and a charge sercured on my house however the Loan info they hold does not correspond with the legal charge that was placed on house 2 years before this loan that are claiming..

    Two different amonunts 2 years apart. Plus mass irresponsible lending on the previous owners part

    I'm unsure how I challenge the agreement they have to the one secured at the land registry 2 years prior though.

    I have a lot more info on all the previous loans with other company from a 2016 SARicon .

    Compared to what they've sent me in Sar regarding the 2008 loan they say is owed. I don't think they would have all the other docs.


  15. #795
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Excel went to ex wife's house this morning left another letter (same as mine) . Missed him by about 5 mins as I was picking boy up for school. Do I need to do anything?


  16. #796
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Refer to post#774

    We could do with some help from you

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  17. #797
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Baffling me why he's gone there. They know where I live.

    Land registry were as much help as a chocolate teapot their reply and I asked further questions.

    Thers in normal text.What I sent in reply in bold

    Hi can you assist further please?

    entry C4 on your title relates to a charge you took out with Progressive Financiall services Loan settled on 3/4/2007 who subsequently went into Liquidation and a portfolio of their charges (over various properties) was sold to Alpha Credit Solutions on 17 September 2016. So why was this sold to alpha in 2016?

    Once a charge is paid the Loan Company should apply to Land Registry to have the charge dis-charged from the title. You will need to seek Legal advice on how to have this charge removed if it has been satisfied. The loan company should have discharged it in 2007 upon settlement yet now Alpha have it.

    There is no entry of a charge dated 2008 in favour of Alpha Credit on your title so they would not be entitled to repossess your property. But they are trying on the above 2006 charge. Alpha credit do now have a deed of variation for a charge dated 2006 . So how have they got this deed of of assignment? How can they claim it's for a debt taken out in 2008?

    I have been to court twice for possession with them. Once last week and once before in May. They have adjourned both times before the hearing as I have submitted lots of evidence towards the 2008 debt being bogus.

    The 2008 debt was in serious dispute with the previous company prior to it being sold.

    Is there anything you can do to make Alpha prove that the 2006 charge should be on there in their name with this deed of variation. As it seems to me this has been put on my property without any proof whatsoever of the registered debt is either real, legal, or enforceable. Not forgetting it was settled April 2007.

    They are trying to claim a debt that has nothing to do with this charge as it was apparently taken out 2 years later.


    Reply I've just received

    Please see the reply that was sent to you in regard to this matter.
    Please note that Land Registry is an administrative agency and is unable to give legal advice


  18. #798
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    The whole thread baffles me

    We could do with some help from you

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  19. #799
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    It's a nightmare. I've just updated previous post


  20. #800
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    Default Re: Welcome secured loans/charge - sold to Alpha/Prime -repo received - bal all penalties/PPI/MIF/LIFE/PPI or IR - help

    Received this from LR today

    The application form dated 17 September 2016 has your name and property, listed at page 5, against Charge dated 19 October 2006.
    Likewise the Deed of Variation dated 17 September 2016 also has your name and property, listed at page 13, against Charge dated 19 October 2006.
    I have so far not come across any reference to a charge dated August 2008 in relation to your property.

    If you have any documentation relating to the 2008 charge to which you refer that you wish to send to us then we will give it consideration
    however as previously stated with regards to the 2006 charge, we cannot remove a charge entry without a discharge.

    Land Registry’s role is administrative, recording details of property ownership on the basis of deeds/documents received and you may wish to consider seeking legal advice as Land Registry cannot provide legal advice.

    My reply

    There is no charge in 2008 on any of my deeds this is why I've come to you.
    Only the company alpha credit saying they hold one from a loan taken out that year.
    They have tried for repossession twice on this.
    Yet there is no charge on my property.
    So I would not have any documentation for this as there is none.

    But from what I see from my official copies they hold a deed of variation on a charge dated 17 September 2016 against Charge dated 19 October 2006.
    2 years prior to the date they claim it's from, which should have been discharged in 2007.
    Yet the company progressive finance have managed to pass/sell it on to Alpha with many other property's.

    As it stands at this moment in time after numerous letters sent by myself to the company Alpha credit since march 2017.
    They have no proof of paperwork to back up their claims of the debt, if so they would have provided it by now.
    However they have taken me to court twice for repossession.
    Which has been adjourned twice by the judge due to their failure to provide anything I have requested.

    This company that did not have to prove its case to you but you the Land Registry accepted the variation of the charge.
    And still they have yet to prove that any money is legitimately owed to them.

    Is there anything you can do to get them to showing proof of validity of the claim relating to the charge they own by a deed of variation?



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