what did you complain about?

and have you now sent that sar to welcome??

cause that ind statement is crap

welcome came back with a reply saying they no longer have my file and they asked "IND to send me a statement instead as they have now brought the whole account" so now I have to deal with IND.

Dear

Prior to June 2016 IND were only managing your account, they would have been responsible for the CCJ on our behalf.

Since June 2016 we sold the account to IND who now have full ownership of it.

Best regards

Customer Resolutions Team

Customer Relations

Welcome Financial Services Limited

Ruddington Fields Business Park

Ruddington

Nottinghamshire

0333 99 9510

[email protected]

that's the email i got when i sent £10 to get the full report,

I complained about welcome and IND treating me like crap on the phone and how the fees im getting on £2000 loan,

just had another email from this woman :

Dear

Thanks for your email.

We could potentially look at a complaint against IND, but you need to give them the opportunity to do so first.

I can say now though, that I don’t think we would agree with your complaint, because the amount they say you owe, has been approved by the courts, and we wouldn’t feel it appropriate to question or disagree with court decisions. In addition, according to the statement you sent us (copy attached), only £200 has been added to the outstanding amount, and this is for court fees. No interest or charges have been added since the loan defaulted in 2013.

If you do decide you’d like to pursue a complaint against IND, you should register a complaint with them. Once they respond, or eight weeks has passed with no response, you can then ask us to get involved.

Kind regards

re the SAR...

they cant refuse

its a legal request

they must under dpa laws hold your data for 6yrs

send them this

http://www.consumeractiongroup.co.uk/forum/showthread.php?387319-Failed-SAR-No-Reply-40-Days-Have-Expired-**Correct-as-at-October-2013**

cool thanks i'll send that tonight,

i was paying off 50 per month to the courts and then poof the ccj went off my credit report

heard nothing from it since 2013-16 .

i mean i check it everyday.

then today i received a nice letter stating i owe IND £4492.09 via intrum.

i've uploaded the letter in pdf and blanked out my details.

can anyone help me with a sar,

dont want to get this to go court cause im trying to sort out my debts.

im almost done.

2022-03-16 Intrum has bought IND and your Loan.pdf

you were ordered to pay £50PCM by the court

as long as your are and have been doing this then no-one can change s anything without returning to court.

how come the balance has not been reducing?

have you a recent statement from the debt owner?

dx

That's what I don't understand. I even had a claim of £750.

That's what I need help on a statement from them. I've looked at the sar but there no template wouldn't know what to say.

you got £750 back on PPI that should be removed from the judgement balance i believe.

send IND an SAR

click>> sar

print it 

fill in their and your details, use their CCJ number or their letter ref number

send it.

have you a list of what you've paid and when since the CCJ ...that you have been keeping?

its about time you stayed around for more than a few weeks each time this pops up and do as we ask.

you say you have all the documents from day one..

well scan EVERYTHING up from anyone in/out to one mass PDF please

read our upload guide carefully

please try and keep things in DATE ORDER.

we only need the front page of the court claim pack that has the particulars of claim on it we dont need the rest.

Hi dx,

    I've sent off the sar via recorded delivery to get signed. 

I've looked everywhere for the documents as i've moved since 2017 i've left them at my ex wife house no longer in contact with her.

the only thing i got is from here uploaded.

sorry. 

Notice of Assignment of the judgment debt IND > Intrum........you need to inform Intrum that the balance is incorrect and that your payments to IND have not been applied. 

what i don't get is that the ccj is no longer on my credit file, i will inform intrum and when i get the sar back also i will check. 

If the judgment is over 6 years it wont show on your credit files.

Can they still reapply for court? Maybe this time I can defend it if taken to court. 

poss not.

do you know what bank account the payments went out of ...??

might be an idea to SAR them too!!,

get the statements for proof of payments to IND.

ahh good idea, yes i do my old natwest bank. i shall request that. thanks

Hi @dx100uki've had the sar come back from intrum,

they done a lot of searches on me, 

balance shows £4,655.10 opening balance.

balance on the account £4,492.09

they say i only paid £50 ever paid.

last statement date 2017

placement date 2013

Now they are sending threating letters that if i dont contact them ill be taken to court again.

I'm still waiting on natwest to get back to me

@dx100ukanything i can do?

 here my thoughts it's over 6 years old now, can they still take me to court. 

2022-03-31+2022-04-15 intrum letters+ROA Request..pdf

..

thread and PDF's tidied.

the CCJ is more than 6yrs old.

very rare for a judge to allow enforcement outside 6yrs.

as long as they have your correct and current address then now you can ignore them.

dx

Great thank you mate