Snupys66
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Now thinking this welcome credit might be a forgery 1st don't remember signing it 2nd it state no ppi . Now searching for old credit agreement found my old bank statement showing payment to welcome in Jan & Feb 08 payment was £450.58 and after ppi removed payment was down to £383 .50 which agreement produced by welcome states was the original agreement notice amount borrowed hasn't changed .still 27k it should be 22k after removal of ppi . Am going to turn this house upside down if that's what it take . Wouldnt welcome had sent a copy of the original agreement to LR to secure debt ? Would try calling LR see if the keep copy .
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No statement included should arrive separately as par letter Ah received a statement last week but only 16/17 will post
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Ooooll welcomes CCA Request Agreement dated 2009 agreement signed 2008 LR entry 2007 blanked cca0001.pdf
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Got reply to CCA request from wWelcome (trying to up load doc) it has my signature , and the terms and loan amount repayment figures etc no ppi on loan I know loan taken out was 27k in total with 5k on ppi and cheque received was 22k but it's dated by me in 2008 a year after I took out loan and their signature a year after 2009 mine signature, and looking at the LR entry date is Nov 2007 which is the year I took out loan . iS this agreement Enforceable and binding as the entry on LR contradict the credit agreement dates . ? Wondering if I have any legs here help
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In response to that I believe it as welcome are regulated by the Fca and CCA covers land also , In the mean time I have received a statement from welcome debt £36k early settlement figure 36 k. Secure loan now a mortgage remaining term 145 months. Loan was taken out in November 2007 over 7yrs I Hope they provide me with statement showing term from onset , showing how the loan arrived at 36k from 22k this debt has being in dispute since 2009 due to excessive charge put on account . I believe they are not prepared to listen any F F offer as they can probably see the equity on the property . I have being cheated enough by welcome . No more Looking through welcome statement ending 2016 Jan arrears balance 22k monthly payments £383 statement ending 2017 Jan arrears 30k interest 0% . Their statement clearly states am in default under the CCA 74 so they acknowledge it ,loan taken out 2007 November
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Wes hoping to use their failure to comply as bargaining tool for lower settlement figure
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Advantage finance CCJ settlement figure
Snupys66 replied to Snupys66's topic in Financial Legal Issues
Advantage owned communitas don't know if they still exist as advantage has absorb them I think . I they have the same business address in Grimsby search communitas ppi reclaim it come up -
Now written to welcome CCA request . As they are unable provide SAR request They now have 12days to reply or I believe unable to enforce agreement . wonder how how I can get charge removed from LR if they don't comply with CCA request . I believed they should reply to CCA request by 7th Feb fingers crossed
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Advantage finance CCJ settlement figure
Snupys66 replied to Snupys66's topic in Financial Legal Issues
Good news advantage has replied to my settlement offer £10 k goodwill gesture make big difference from £22k willing to accept this but devil in me says lower reason for high initial settlement figure frozen interest now waived -
Called welcome finance today chasing my SAR they tell they haven't received my request . they also tell me they have no paper work on file for me just the balance they have on the system 34k , they wanted to know what I need for ? I explained ppi claim . anyway I requested a settlement figure . So I await their call .
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Advantage finance CCJ settlement figure
Snupys66 replied to Snupys66's topic in Financial Legal Issues
Ok I will draft a SAR and send that also in main time I will await there response to my settlement letter -
Advantage finance CCJ settlement figure
Snupys66 replied to Snupys66's topic in Financial Legal Issues
I defended it on the onset but I believe judgement was in defualt . just tried to obtain judgement on line but it's not showing on address the CCJ was more than 6years ago I think or could it be on my new address but CCJ was at my previous address . Moving forward you are suggesting a SAR I will rather have loan reduced to to a settlement taking into consideration ppi what do you think ? -
Advantage finance CCJ settlement figure
Snupys66 replied to Snupys66's topic in Financial Legal Issues
No I don't. but believe I can a copy for the county court . -
Has anyone had any dealings with a finance company call advantage finance ? Took out a secure loan with its sister co communitas finance in 2007 for 15k was making regular payment until I fell in difficulties the loan I took out had a ppi of about 5k I stopped making payments after I lost my job they then got a CCJ I came to an arrangement with them . To make repayment which I have since 2011 I am about selling my flat I call them in May2016 asking for a balance of account they gave a figure of 13k I didn't get this in writing and took theirword for it I have statement from ending 2014 amount owed 14k earlier last year I got letter saying my loan was now with advantage finance their parent company CCJ was also transfer to them as well as LR . I got my conveyance solicitor to contact them for settlement balance in their reply the balance now owed 21kplus of £4 daily until settled how can they suddenly increase amount owed. I knew there was ppi on the account which I believe would be a bargaining chip for settlement . In response to it I have now written them a letter including the statement I have for the account and cited ppi plus interest £7.5k threaten complaining to Fca , settlement offer 7k . Does anyone have other way as to deal with this issue as I don't whether my tactic would work .or is there a legal way of dealing with this : ?:please help someone tell me it's against ofcoms unfair guidelines
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Yes did on the 2nd of December
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