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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


cruzhughes
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Its a separate order with regards to the claimants application only ...not a general order with regards to the claim.

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Thank you.

 

I’ve been on the phone to the court today with regards to the general order and the outcome of last hearing. Posts 1249/50/52.

 

I’m rather bemused to the courts response today

 

This is what I was told

 

Nothing on system about further orders for me or claimant

 

No date set for next hearing which I was told before would be on the 30th April for 3 hours

 

Closest date available from now is 15th June

 

Judge will not be there as is retiring. I explained the judge said he would coming back to finish the ongoing saga off as he’s been involved from onset.

 

Nothing at all on system about anything further .

 

I am baffled as to where everything stands now.

 

The judge was firm on the orders and I wrote them all down.

 

The reason the judge didn’t dismiss repo last time is cos the claimant solictors said they would appeal it.

 

He explained what would happen then it would possibly go to the higher track.

 

He didn’t want that he wanted to get everything sorted in this track that’s why he give the orders to the claimant

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new order above

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the DJ wants to investigate the freezing of interest or not? around 2015 - go look at your documentation and work out why.

he also wants to see their basic arguments with regard to if they intend to reduce what they claim you should pay per month [as theres no PPI element now in it] OR are they going to say that because of the removal of PPI the monthly figure they have quoted will settle the loan earlier than its stated term..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I brought it up that their figures were wrong.

 

As if their monthly payments were times by the months they say are outstanding. Means they are charging interest which previous owners reduced to 0%. Back in 2015.

 

The judge sent me home to get this doc. Was in the comms log after

no payments.

 

Their arguement was I still owed the monthly payments even with the 8 grand chunk

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So you know what it means why say you dont??

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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But I’m confused Cos the repossession was almost over and done with.

 

What I was told on the day has changed totally date wise.

 

Therefore I’m constantly going over things and frying my brain.

 

I’m also concerned now that the original dj isn’t going to be the one dealing with it all.

 

Plus it’s set 3 hours and that’s a long time

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  • 2 weeks later...

I know I’ve got about a month before I recieve anything from prime .

 

But I feel like I should be doing something or putting something together. Cos I know with them serving on me 7 days before and 2 days with the bundle I’m going to struggle with the shortness of time to put things together and get looked at here.

 

Any advice?

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You won't be expect to counter anything new with only 2 days notice

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Right here goes Prime are back in the room..

throwing more questions up now .

. dx I’ve sent you docs.

 

Paragraph 3

 

Loan agreement entered into 29th August.

But welcome did not advance any sum of £27.971.82 it appears to be a rewrite of previous loan 661 that was settled on 29/08/2008 for £27,971.82 then rewritten to 984 for the exact same amount with £2307.70 PPI and £235.00 acceptance fee added thus totalling £30,514.52

 

The contractual monthly installments were paid from sept 2008 to Feb 2009 £1388.94

 

Further payments from this date till May 2015 over and above the contractual monthly installments were paid

 

From March 2009 until Dec 2010 25 payments of £250 were made totalling £6250

 

From jan 2011 or March 2011 3 payments of £333 were made totalling £933

 

From April 2011 till April 2012 14 payments of £270 totalling £3780

 

From May 2012 till Nov 2014 32 payments of 270 £8640

 

From Dec 2014 till May 2015 6 payments of £278 £1668

 

Which means £22,659,94 has been paid

 

Paragraph 4

 

Claimant purchased debt from welcome 26 June 2016. So any arrears with them could only be accrued after the date they purchased this debt which would be July 2016. Therefor the if there are arrears would be 22 months at £231.49 = £5092.78 or would it be from date of deed of variation in sept 2016?

 

Paragraph 7

 

Outstanding balance £26.152.32 correct at of 13 Dec 2015 still standing at the same on 13 jan 2017.

 

113 months at 231.49 =£26,157.24

 

Paragraph 8

 

Outstanding balance at today’s date 18th May £19,672.83 arrrears Total £8,268.08

both incorrect.

 

Should be £26.152.32 - 8163.29 balance should stand at £17,989.03

Arrears £8,268.08? where are they getting this figure. Look at statement it says £6574.28 Arrears.

 

Statement There is also a remaining balance here of £19,672.83 which includes charges and solictors costs totalling £1683.80 which they have added on which I don’t think they should have dates 11/12/2017, 20 and 22/1/18, 15/3/18. If you remove these it brings the balance down to £17,989.03

 

Arrears for 22 months July 2016 should be 5092.78

Arrears 19 months from sept 2016 (deed of variation date) to now £4398.31 neither are near £8,268.08

 

But if the fees of £1683.80 are added to arrears on statement of £6574.28 this totals £8,258.08 £10 out!! SAR amount £10 debited on 17/08/2017

 

184 payments of 44.94 = £8,268.96

 

72 payments of £276.43 = £19,902.96

 

None of this is working out

Lightfoots Witness Statement 18th Ma redactedy.pdf

Edited by dx100uk
redacted upload attached
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I’ve only put the last 3 pages on there as you have the rest from before. It’s only really the last 2 pages are different

 

I think they are trying to make the arrears look higher than they are the judges argument previous was how are there arrears when the ppi refund of 8163.29 Means that I’m well in front and not in any arrears. Last time they did court I think arrears were almost 5 grand

 

Surely they can not claim arrears that were owed to Welcome between May 2015 and sept 2016 where the deed of variation took place as their own?

 

Would that then mean that the arrears with them would start at the first missed payment Oct 2016 since they became owners and the deed was complete. However they did not start writing until Dec 2016 and then issued court originally in March 2017

 

Dx I haven’t sent you the full statement only the last 3 pages as the rest are the same as the old statements they’ve sent throughout. They just keep adding and removing stuff on the last few pages which you’ve put in post 1289.

 

What do I need to be doing now? I’ve got 2 weeks

Edited by dx100uk
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Each is individual

So no templates

Use search cag box of top red toolbar

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ive done that I’m having issues finding them.

 

More so skeleton arguement. Do I need to be putting legal refs in to.

 

I’m getting worried now as time is passing by and getting shorter. I’m no wiser now than I was when trying to write a defence

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

You might have more success if you post up details of the claim and where you're at with it.

 

BOOM>>>>>>>>>>>>>>>>>>>>>>

https://www.consumeractiongroup.co.uk/forum/showthread.php?467097-Welcome-secured-loans-charge-sold-to-Alpha-Prime-repo-received-bal-all-penalties-PPI-MIF-LIFE-PPI-or-IR-help

 

:lol:

 

i'll see you in about a week

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

best man for the job...…...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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