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    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Welcome finance secured loan now with Prime,


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sadly no you are not on our cruz's list

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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Don’t forget to get the official copies of that deed.

 

https://www.gov.uk/government/public...gistration-oc2

 

Mine was a few pages long. Check all the dates tally up keep your eye out on the last page for a list of names and adressses of other people that were bought the same time as your debt portfolio.

 

Report back and send to dx every piece of info you get.

 

Top tip buy 2 files and lots of poly pockets.one for welcome and another for prime

 

Start filing copies of every letter you send and every response you receive off each in the associated file.

 

Keep an eye on date deadlines too.

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Thanks again cruzhughes. Much appreciated.

 

I sent the letters today to Prime and Welcome.

 

I spoke to FSCS who checked the information they had on clients who had been mis sold by Welcome.

I wasn't on their list either.

 

They gave me a customer relations number for Welcome and told me to call Welcome to ask about any PPI insurance and any other insurance policies relating to my loan.

 

Welcome checked and said there are no insurances what so ever on my account, only the usual fees which apply to everyone who takes out a loan.

Looks unlikely that we have any PPI,

 

I've been doing some calculations and the figures don't seem to add up.

 

The original loan was 17k starting nov 2007 over 180 months AIR 14.40% = 41,577.

Prime say there is 9868 left to pay and they do not give any reductions for early settlement, infact they add 30 days interest if you settle early.

 

But with my calculations for the remaining months up to Nov 2022 with the current monthly payments of 234.18 we'll pay 13,348. its very confusing.

 

I informed Welcome that Prime Credit told me yesterday that Welcome are no longer in existence and have ceased trading completely which is clearly untrue.

 

The link above takes me to a page not found.

I've checked the official search page and it gives me lots of options to request official copies and official searches, all of which have the option to pay £7 or £3.

 

Sorry to be such a pain.

Can you advise which one I need as I paid £3 yesterday for the title which I saved and printed. :???:

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get that SAR running to welcome

don't believe anything anyone associated with welcome says on the phone.

oh as per your figures

welcome to the great word of welcome

nothing ever computes with them ever.

you wait till you see their statements

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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that would be a veru good idea

we often find that the rubbish they send through bares no resemblance to the original stuff and the story it tells at the actual time

welcome massage stuff issued later

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

  • 4 weeks later...

Hi Again :-)

Since my last post -

 

SAR was sent to Welcome on 22.2.18 with £10 PO, No Response from them to date.

 

The CCA with £1 PO sent to Prime Credit,

they returned the letter and PO asking for £10 check with written request with signatures.

 

I called them to inform them I had requested the CCA, not a full SAR.

They apologised and sent a copy of the Loan Agreement and the Legal Charge which I have just received.

 

I have finally found the original documents from Welcome Finance including the loan agreement, T's and C's, Legal Charge, Payment Breakdown showing NO Insurance cover, and a demands and needs statement again with NO insurance.

The APR is 15.71 variable, rate of interest 15.39. The current interest rate is 14.4000.

 

I have searched the T's and C's, although it does not say that the loan is portable if we move home or transferable to a personal loan, it also does not say that it can't be.

 

On this basis I have escalated to a formal complaint.

 

I'm not sure what to do as the solicitor for the sale of my house has received the settlement figures.

I'm not certail how to deal with this.

 

Can you possibly advise.

Its such a mine field.

:-(

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does what they have sent

match your originals

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

little tip..

several people are saying this

STOP RINGING PRIME

never ever talk on the phone about your debts.

 

you need a papertrail

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

Ah yes, I read that in earlier posts. :oops:

 

We rang the FSCS regarding what we believed was a breach of the original contract, Welcome had led us to believe that the loan could be transferred when we originally took it. We never had any intention of staying in this house beyond 10 years.

 

Prime are refusing to allow us to transfer as they are only an account management company.

We are now completely restricted as to what we can do.

 

The FSCS advised us to speak to Prime and escalate to a formal complaint if we are unhappy, we believe Prime have 8 weeks to respond and if we are still unhappy we can then take the matter to the FSCS.

 

Does this sound like anything you have come across?

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yep = total waste of time sadly.

just ask cruz!!

 

you'd have to prove by documentary evidence you asked that

and I can tell you welcome don't and have never allowed that..

 

as per you got conned by their staff just to sign you up.

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

As I feared, it's so frustrating that the entire amount of equity we make from the sale of the house will be used to pay PRIME.

I don't suppose it's worth me challenging the interest rates, and there being no reduction for an early settlement, or there being no response to the SAR? :-(

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await the welcome SAR

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

Hi Again :-)

Since my last post -

 

SAR was sent to Welcome on 22.2.18 with £10 PO, No Response from them to date.

 

The CCA with £1 PO sent to Prime Credit,

they returned the letter and PO asking for £10 check with written request with signatures.

 

I called them to inform them I had requested the CCA, not a full SAR.

They apologised and sent a copy of the Loan Agreement and the Legal Charge which I have just received.

 

I have finally found the original documents from Welcome Finance including the loan agreement, T's and C's, Legal Charge, Payment Breakdown showing NO Insurance cover, and a demands and needs statement again with NO insurance.

The APR is 15.71 variable, rate of interest 15.39. The current interest rate is 14.4000.

 

I have searched the T's and C's, although it does not say that the loan is portable if we move home or transferable to a personal loan, it also does not say that it can't be.

 

On this basis I have escalated to a formal complaint.

 

I'm not sure what to do as the solicitor for the sale of my house has received the settlement figures.

I'm not certail how to deal with this.

 

Can you possibly advise.

Its such a mine field.

:-(

 

Prime done exactly the same to me and when I didpay the £10. They cashed it and wrote letters staying I hadn’t responded and were about to close my complaint. Totally disregarded the 10 or more letters I had sent in between querying and listing their failings

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