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. #801
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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

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

    so now you can complain to the fosicon that the new owner is refusing to carry out an IRL investigation
    ref you old case number

    should be interesting...

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  2. #802
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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

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

    Just emailed you an extract from fosicon email


  3. #803
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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 a thought i is it true the fosicon 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


  4. #804
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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 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.

    fosicon complaint done last week. Waiting game now here.


  5. #805
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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

    fosicon have replied. Sent me a PPIicon 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.


  6. #806
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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

    Here it starts again... just received from lightsfoots. Donít know where they have got the figures of £5185.34 from the last correspondence from prime 10th oct it was standing at £4722.36.

    Attached Files

  7. #807
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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 MIGHT snow on Christmas day too

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  8. #808
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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

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


  9. #809
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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

    Not very good news with the fosicon 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 ppi@financial-ombudsman.org.uk address.

    Where and what now?


  10. #810
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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

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


  11. #811
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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

    no not unregulated

    not businesses registered with the FCA

    then how can they litigate at all?

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  12. #812
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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

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

    FCA can’t help

    fosicon 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?


  13. #813
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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

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

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  14. #814
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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

    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

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  15. #815
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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

    now why didn't we spot that before

    time to start an fosicon 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?

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  16. #816
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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 what if I do a direct email back to the fosicon 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


  17. #817
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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

    why not
    point to what you have discovered.

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  18. #818
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    Default

    Here you go

    Quote Originally Posted by cruzhughes View Post
    Found this link online https://primecredit.webcustomerporta...me/primecredit. Have a guess what company administers my Morgage
    Quote Originally Posted by dx100uk View Post
    why not
    point to what you have discovered.
    Email will go to fosicon 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 itís 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.ŗ.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.webcustomerporta...me/primecredit

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

    Every letter Iíve sent has been addressed to prime but itís exactly same address as Acenden.


  19. #819
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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

    certainly

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  20. #820
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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

    All done. I await the reply from fosicon.

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



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