good I'm glad I wasn't having a mental lapse.

so now you can complain to the FOS that the new owner is refusing to carry out an IRL investigation

ref you old case number

should be interesting...

Let’s do this. Do I need to mention the repoand what the judge said?

Just emailed you an extract from Fos email

Just a thought i is it true the FOS don’t deal with complaints that have been subject to legal action?

The repossession was a legal action but what about the IR compliant will it be dealt with as a separate issue?

I’m going through things that I need to be sending them and they all mention court action due to repossession.

So I’m just wondering where I stand here

It’s the 30th tomorrow so that’s d day for an arrangement to be in place by. I haven’t made one. So initial payment is due anytime as nothing in place. I wonder if excel will be paying me another visit next week..

Not received any statement or requests for payment.

Fos complaint done last week. Waiting game now here.

Fos have replied. Sent me a Ppi form to fill in against welcome for some unknown reason. Explained the Ppi aspect was sorted by fscs. And that that is irresponsible lending claim against new owners as any balance is due to all penalty fees and the IR. explained all this on the complaint form last week.

Here it starts again... just received from lightsfoots. Don’t know where they have got the figures of £5185.34 from the last correspondence from prime 10th oct it was standing at £4722.36.

Lightfoots 12th Dec.pdf

it MIGHT snow on Christmas day too

Lol. I’ll sit and wait to see what Santa will bring then. 7 days i is the 19th Dec

Not very good news with the FOS regarding the IR complaint here’s the email I’ve just received

Thank you for your email.

It doesn’t look like Prime Credit or Alpha Credit are businesses registered with the FCA. That being the case it doesn’t look like we can consider a complaint against either of these businesses.

As you know, we have previously told you why we cannot consider a complaint against Welcome.

If you wish to respond, please ensure you respond to our [email protected] address.

Where and what now?

Any advice on what the FOS said dx? Is this the furthest I can take things now due to them being unregulated

no not unregulated

not businesses registered with the FCA

then how can they litigate at all?

I’m not sure I comprend what your trying to say?

FCA can’t help

FOS can’t help

Prime are an illegitimate company trying to collect a bogus debt which they don’t have the proper credentials to do so.

Where am I at now then?

is there an FCA number on the footer of any letters from prime/alpha etc?

No. But I’ve just come home to another letter from prime dates the day before solicitors letter. Look right at the bottom.

Your loan is administered by acenden on behalf of creditor acenden is authorised and regulated by FCA

What are you getting at here dx

Prime 11th Dec.pdf

now why didn't we spot that before

time to start an FOS complaint against acenden then.

they are registered.

as far as i'm aware

I could be wrong

but me thinks whomever is taking you to court must by registered with the FCA to carry out financial things in the UK?

andy if you see this

your thoughts?

Ok what if I do a direct email back to the fos from the one I’ve just received explaining that acenden are the ones administering and to take everything I’ve put to them against Prime aim at acenden.

That may save time starting from scratch with the Fos. They already have everything re prime complaint

I did mention to you before that they were same address I found it on google

why not

point to what you have discovered.

Here you go

Found this link online https://primecredit.webcustomerportal.com/welcome/primecredit. Have a guess what company administers my Morgage

why not

point to what you have discovered.

Email will go to Fos this weekend

Also to clairfy on court docs only prime/alpha are named on them not acenden

Any advice or help from Andy dx??

Going to send this to Fos. Is it ok??

I have just found this out it’s on the footer of every correspondence from Prime you also l have copies of these.

Your loan is administered by acenden on behalf of creditor Prime Credit 5 S.à.r.l. or Alpha Credit Solutions 4 S.a.r.l.

Acenden limited is authorised and regulated by FCA. And covered by FOS.

https://primecredit.webcustomerportal.com/welcome/primecredit

Am wondering could you help now? And continue this complaint with Acenden?

Every letter I’ve sent has been addressed to prime but it’s exactly same address as Acenden.

certainly

All done. I await the reply from FOS.

Do I need to be writing to prime or lightfoots at all in regards to them threating court action again?

my thoughts run with i'd let a judge decide that...IF it ever got that far.

as acenden are operating for 'their overseas client' I expet they'll know pretty quickly.

They’ll know what pretty quickly?

Are you saying for me to inform judge if it goes back that they aren’t registered with FCA?

Here we go Merry Xmas from these just come home to this.

They’ve restored court hearing again for 16th jan

alpha are the claimant.

What do I do?

Letter to court?

Prime or lightfoots?

Court 16th Jan.pdf

andy you seen this

they've issued a notice of restored hearing

are companies not registered in this conntry allowed to do this?

Any updates from Andy regarding this Dx?

What am I to prepare and have I got to send anyone anything.

Just had reply from FOS

Thank you for your email.

I have looked into complaining against Acenden as well as Prime Credit and Alpha Credit and even though they are regulated by the FCA and the Financial Ombudsman Service, they became regulated after you took out the loan with them in 2001. It is on this basis that we can’t bring your complaint against the business as it is out of jurisdiction.

I know that this is frustrating but if there are any other documents relating to your complaint that include other companies, please send those documents to us and we can look into bringing your complaint against them.

If you have any questions please get in touch with us.

Yours sincerely