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    • Update: tfl is taking me to court I'm trying to get an ooc claim from them but they have not been replying to my emails. 
    • Are these the important pages I need to upload ? 1.  pages 1-4 are court form 10a 2.  2 pages of the CCA agreement  3.  Default notice from NewDay, 22/02/20 4.   Lowell letter stating they own debt ,     Dated 16/11/20 5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20 I make this 9 relevant pages from what I can see   ( all other pages are statements/default notes and lots of FCA info sheets) just needing your confirmation in advance as I don’t want to send over pages that are not required thank you  UCM      
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PRA Group constantly phoning and harassing for 2 x welcome finance debts I dont owe


asdanemma
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HI

Sorry, ive read the other PRA thread but still need help.

 

PRA are phoning every day up to about 10 times, the number is blocked so goes straight to them leaving me a message.

They are chasing for 2 loans but i don't owe them.

I haven't called them back or written to them in case it changes statute barred dates.

 

I took a loan with Welcome finance 25/01/08.

I paid it back, more than what i owed

, they also changed amounts on the CCA by putting my deposit down as an amount borrowed etc.

 

I got a CCA and SAR from welcome before they disappeared that showed unfair charges as well etc.

 

These amounted to several hundred pounds and welcome actually owe me.

They failed to provide the right documentation in time etc and when i finally got info i requested that they stop harassing me and pay me what they owe me.

I never heard from Welcome again. This was 2013.

 

in 2014 i was contacted by AK capital who claimed to have purchased the debt

, they then continued to harass me.

I told them this was sorted and i did not acknowledge any debt.

 

in 2016 PRA group said i owe them £6163.23 for this welcome debt.

I have ignored and ignored and ignored.

It is not on my credit file nor have i acknowledged it.

 

My question is...... do i finally call them back or write to them.

I still have all the proof as i did not trust welcome and AK capital at all.

 

My other non existent debt with welcome was for a cash loan taken in 24/09/2007 for £2000. CCA shows i paid back £3839.63 to date with last payment of 20/11/13.

They are wanting over £400.00 from me,

 

however looking at the CCA it shows several hundred pounds in fees, extra charges and incorrect capitalisation.

 

What do i do?

I have the dates and copies of all SAR and CCA requests etc

Thanks

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as no response to CCA was received then they cant enforce the debt.

Report the phone calls to your service provider as malicious/harassment.

If you have an address for the company write to them and tell them to cease the phone calls or you will report them.

 

As for the detail of what you paid in fees, charges etc

if you have all that in writing then you can claim it all back with interest if you know how.

 

Now the people who claim to own the debt will be the ones you claim form and the money owed to you will be greater than the amount they have vested in this debt so they will lose out massively.

 

Any debt will not be SB for a cuple of years

get your accounts together so they are understandable and then you will be ready to go after them.

 

Put them on a spreadsheet if possible and the someone will show you how to run the figures through one of the CAG Reckoners.

 

What evidence did they send with the CCA to show they owned the debt and what statements have you received annually since 2007

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Threads merged again

3rd time now

 

Pers i'd not do anything bar go read your thread now from post 1 again now

 

No point in reclaiming

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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Did you do our spreadsheet?

Welcome do exist

And you could sar now

 

They won't refund charges nor the shortfall/GAP etc

As the FCA gave them a wavier when they went bust

 

But PRA could be frightened away by a copy of your reclaim total

As if they were stupid enough to do court

You could show the judge its all bogus

 

I don't think PRA (just a new name for AK)

Have ever done court on a welcome debt...

 

Are you living at the same address that you last wrote to them from??

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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  • 6 months later...

Iits all started again, I'm getting called 5 times a day, straight to voicemail.

 

I wrote to them back in Oct and asked them to stop harassing and me and that i do not acknowledge any debt with them and in fact I am owed money by Welcome finance.

 

Do i re-contact them again?

 

Thanks

Edited by dx100uk
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no

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

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