Both automated letters

Like Wasting paper don’t they? Still adding fees after my refusing visits. I’m patiently waiting their next move. Whatever that maybe?

Can’t believe my original complaint in March has not been taken in to account

I’m speechless.

Original complaint March 2 lots of court cases later and they sincerely apologise??

10 working days and should all be resolved?? We will see 7 months they’ve had already

What do you think dx?

Prime 4th Oct.pdf

Very interesting letter from prime.

What’s your verdict dx?? I’ve had a quick read through.

Have a look at the deed of variation paragraph. They say the loan account started in 2006 and completed in 2008. Wasn’t there 3 loans in between?

They have not included copy of title which they say they have in letter.

Will inbox you up to date statement now.

Doubt you need to see copy of income and expenditure they’ve sent out.

Prime 10th Oct.pdf

I thought you had already sent them an income and expenditure sheet ?

Yes I did with the court docs in April!!

Tell them to look at that then - or send them a copy advising they should have already read it !

Will do!! This company take no notice of anything!! This response is to a complaint originally started in March.

and they are still trying to fleece you blind on a debt you don't owe because the original creditor wont sort it out, they think you'll be a good boy and cough up.

So what do I do next?

well they are laughing at you welcome know its irresponsible lending but because of their waiver they can say tough luck mate and sell it on.

well if they can sell the debt on then prime inherit all the rights

fire them ofl an irresponsible lending claim..

..in their name that way you get a second bite of the same cherry under the FOS/FCA etc too?

how can the statement jump from 2009 to 2016 wheres the rest?

Didn’t I do that in my original letter to prime?

If not how do I compose this next letter?

What do you think of the deed of variation paragraph

how can the statement jump from 2009 to 2016 wheres the rest?

I didn’t send you rest as you’ve already had them before with the repo claim only last 2 pages are different.

I can send you the lot if you want

How’s this draft?

Dear Sir/Madam,

Thank you for your letter on 10/10/2017 the contents of which have been noted.

I write to you again outlining the full background of the above said loan.

In prior correspondence from yourselves you are adamant that you have been assigned the debt in the correct manner. So this in its entirety means that you have inherited all the rights to this loan within the deed of variation.

So therefore you must be held responsible for the irresponsible lending which makes up this loan that you now own.

The background is

On 11/10/2001 I took out a loan for £7369.39 which had £1473.22 PPI and £130.00 Medicare added to it

On 10/06/2003 this was rewritten to for £9809.68 and £1804.68 PPI.

On 31/03/2005 this was rewritten to for £11423.67 and £1108.79 MIF.

On 14/07/2005 this was rewritten to for £13886.71 and £1352.87 MIF.

On 29/12/2005 this was rewritten to for £14792.00 and £1442.59 MIF

On 31/10/2006 a new loan was taken out for £8019.62 which had £1485.75 PPI, £180 life-care and £125 homecare with £2768.59 interest added to it.

On 03/04/2007 this was rewritten to for £14602.15 which had £2425.15 PPI and £175 personal accident plan with £3339.03 interest added.

On 05/10/2007 this was rewritten to for £26741.20 which had £4506.20 PPI and £10342.54 in interest added to it.

On 30/08/2008 this was rewritten to for £30514.32

All of the above were forced upon me.

I feel it was very irresponsible to be constantly refinancing these loans [9 times - some no more than 4 months apart] on the basis they were more affordable

when each loan was already in arrears with numerous additional penalty charges already levied.

I politely request that you accept the £7,888.39 you have already received from Welcome Finance without checking the full history of the above loan. This money has come from part of a penalty reclaim with them. I request that as a full and final settlement remove the legal charge you hold and null any remaining outstanding balances as you are already in receipt of the money above.

So thus coming to a simple resolution for both parties, without the need for extensive involvement of the FOS/FCA/ICO etc nor further court cases.

Shall I even add that on 31/10/2006 this loan was sercured. But the following loans in 2007 and 2008 were unsecured. As we know they didn’t file the correct paperwork at LR?

PPI wasn't it

and no I wouldn't

doesn't the fact the charge is there from the first day run through all the refinancing..

Yes it was PPI.

First loan 2001

the first Sercured was 31/3/2005. Totally settled in Feb 2006. The new loan taken out Oct 2006.. then further loans nothing lodged with LR.

How do I get the point across correctly to them.

Just thinking to shall I mention that loan was reduced to 0% in April 2015 after I put account in dispute with Welcome.

Going on primes monthly repayment that would mean they are charging interest on this loan there is £18,040.83 remaining.

They are saying that the monthly repayments are £231.49 and that 197 months were remaining in March so that leaves amount repayable of £45,603.53. Aug 2033 this loan is due to run until

The balance was £26,152.32 when they purchased then issued court proceedings.

PPI Refund was £7,888.39 and £274.90 extra interest added totals £8,163.29

That should be £17,989.03 left in my book

And 15 years and 9 months left now not forgetting the payments missed.

From now 189 months remaining at £231.49 total repayable £43,751.61.

don't need to register multiple charges....

the bottom line is they haven't a clue what they are doing

where are the missing statements...re post 819

I’ve sent you the full statement now that was enclosed in letter post 812. They didn’t leave them out it was my bad i didn’t think you’d need those only the updated pages.

Have you had amended Letter I’ve composed? Does it need tweaking or editing. Not sure if I’m on the right track here.

the whole of the debt regarding agreement number xxxxxxxxxx consists of irresponsible lending

you as the rights holder are now tasked to investigate this independently of any previous finding by welcome.

I refuse to pay a debt that does not exist as its all IR and or PPIetcetc

Quite basic then? My letter was too full on was it

well no whack it in somewhere.

Ok will do thank you

All sent. Thanks again

Just found this online..

http://www.cattles.co.uk/schemes/cattles-plc-creditor/explanatory_statement.pdf

Just received letter of these. I’ve been away it was sent on 6th nov. Inbox you now.

Let me know your thoughts dx

post the letters to thread now please suitably redacted

off to the FOS then in regard to prime refusing to investigate the IRL claim?

or have we already done that....:noidea:

We have only gone to the FOS with regards to Welcome IR claim this time last year. They could not help due to waiver.

How do I fair with FOS as prime had issued repo?

Alpha 6 Nov.pdf