Hi Guys,

Today i got a letter to say welcome finance has won the court case

and i need to pay full balance of £5000 even thou i got a loan of £2000,

I did apply last month online for to hold it off for 28days

but as i'm getting redundant and getting all stressed

but i have to do 4 week notice period

i cant afford the full balance

is there a way i can get round this and pay little bit till i get another job?

please help im stressed enough,

Someone with more knowledge will help out soon I'm sure.

Meanwhile in my opinion, try not to worry, if you can't afford it then you can't.

I think what you do about this is relevant to your circumstances ie: do you own your house etc. that's when it gets harder.

Where did you apply to have it held off, I didn't realise this was possible. I thought the AOS gave you 28 days to defend.

Did you turn up for court if not the judgement was a default one and there are ways to contest this.

As I said someone should help you out on here.

vapour, can you start from the beginning; tell us how it came to this situation?

theres no welcome loan that's not 90% unlawful PENALTY fees

PPI

GAP

or any number of stuff to reclaim.

i'll guess this was hagerty or IND?

not welcome?

ok the court CCJ.

you need to contact the court and get a redetermination/variation order going.

ASAP get an SAR off to welcome finance by recorded delivery.

have you got ANY statements?

a copy of the original agreement?

I hope this one turns out better than the other two threads on court forms you have previously had

you should be well used to dealing wit the process by now.

shame all those past threads just die............

dx

Just read some previous threads and see what you mean DX.

Whats the deal with this???

Hi,

The name on the judgment for claimant is HEGARTY LLP based in Peterborough,

the total they want me to pay is £5,077,56 inc £85 = £5,162,56

and the court said i have to pay for the full balance

,i do keep all the original forms when i first went with them and all the paperwork what i paid

,i've been served notice at my work yesterday and

i lost all contact with all my other problems

,forgot to reply back to the courts with my defence,

i admit its my fault now i have to pay the full balance and now i dont know what to do?

If you are unable to pay the full amount demanded on the Judgment then you will have to apply to the court on Court Form N245 and ask for the judgment to be varied to instalments.

I think this will cost you £40.00.

http://www.moneyclaimsuk.co.uk/court-forms.aspx

Scroll down the list on the link above until you get to form N245 and download the application.

If you are on benefits then you might be exempt from the application fee.

ASAP get an SAR off to welcome finance by recorded delivery.

Ok thank's for the help is there a form for sar to send to welcome finance?

click the sar

dx

Hi Thanks for your help.

i have filled out all the forms you have suggested and going to send off to courts and welcome finance,

Today i received a letter from IND about notice of change of solicitor it says - i (we) give notice that my solicitor Hegarty LLP has ceased to act for me and i shall be acting in person, the signature is a scribble writing but next to it has DEBT ACCOUNT MANAGER to my local count court not Northampton.

What's the next step shall i do?

also there was a another letter from Money Save Solutions?

any good?

yea usual crap.

thought it would be ind behind this.

go read the other welcome finance threads on here too

dx

IND are behind all of them, Hegarty don't ever deal with these cases even when the paperwork says otherwise.

i wish i had replied with a defence cause im getting redundant at the end of august ill have no job go on benefits, I hope i can fight against this ccj,

ill send the forms off asap.

Hi All,

i was silly and stupid when i was young got a welcome finance loan for £2000,

i was stupid to even agree but i needed the money to pay off some debts

and i was working so i paid back some, i left my job

and i was out of work for 6months got in so much debt with them late payments,

fast forward 2015-

i got a letter from court to say i need to pay £5000 back and it went their side and i didnt do a defence letter,

i had to go small claims court and start paying £50 a month

i got made redundant last year and been struggling looking for work for 4 month

and i've finally got a new job in December,

i was wondering if anyway i can cut this balance down as this would take me years to repay.

i cant afford more then £50,

thanks

I have now spoken to a broker as i want to get a mortgage as the ccj is stopping me and my gf getting one,

I have spoken to IND about offer them £1000 to clear the balance as i think paying £50 a month to clear £5000 on a £2000 loan which i think is riduclous with calls and ppi and i was stupid not to defend,

i guess this is my only hope......

sar to welcome

get all the statements and get reclaiming all the insurances and penalty fees.

if you'd done that before the case

I bet they owe you..

paying it off wont remove the CCJ

and the broker is having you on

if he's telling you it being satisfied will get you a better deal.

No i didnt get to do the sar before the case hense why the court fee is nearly £5000 instead of £2000 shall i do one now and send it to them?

I would.

dx

Hi dx100uk,

Just an update

IND are a bunch of money grabbers

i have now offered 3000 to clear the balance

but they have also refused that.

2013 on their system was 4132

and now its £5132

and they are willing to take an offer of 4500

and the woman who looking after the account is so rude,

i have sent welcome an sar to request everything they got off me.

but what would be the next step to get this reduced.

many thanks

IND only ever got CCJ's on dodgy debts

so they could rack up serious profits in the future

dead shame you let this drop all those years ago.

yeah it is,

is there nothing i can do apart from sar which im waiting for from welcome finance.

in what way.

dx

In a way i can try defend my self again to the court pay a fee or something....

after the SAR what next the step?

look at the info your get back

you indicated 3yrs ago your had numerous loans

so there could be lots to reclaim.

were the loans refinancing each other

you also said you had all the agreements?

what date was the ccj granted 2013?

dx