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    • 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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Welcome/BARCLAYS ASSIST PROGRESSIVE FINANCIAL SERVICES LTD - old PPI claim **WON**


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Hi all,

I've been showing a friend all the help I've been given over the years on here and forgot I had a HFC Loan

- so I'm firing off the SAR to HSBC today..

 

It kind of jogged my memory about another loan I had.

This was something called a Barclays Assist loan and was a loan through Welcome Finance/Barclays.

 

I can not find any paperwork and I don't know whom I should contact seeing as WF are no more.

Any suggestions on contact details or anyone come across the Barclays Assist before?

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Not sure about welcome and Barclays running together??

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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Just found a very old Credit report from 2009 - "BARCLAYS ASSIST PROGRESSIVE FINANCIAL SERVICES LTD, MERE WAY, RUDDINGTON FIELDS

BUSINESS PARK, RUDDINGTON, NOTTINGHAM, NG11 6NZ"

Taken out 07/10/2003 , Company name: BARCLAYS ASSIST --- £129 @24mths

 

I cant see this existing anymore at the address above - so unsure as where to turn to..

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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

WF are still going sar to them

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

Excellent.

I came across a site saying the WF/progressive had gone into administration. FSCS org or something...

Do you know if it is the same.address and is it WF or Progressive.

Sorry for the questions, I'm.unclear with the WF/PFS/Cattel - just know they went by loads of different names

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when was this opened:

for the address read the link in post 4

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

good so that will be welcome and you'd get the PPI back directly from then without going through the FSCS as it was too early for them.

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

Will get the SAR off first thing.

 

I do remember that when I tried to get credit report updated as they hadn't updated it despite me paying off the loan,

they couldn't find any information such as the credit

as they didn't know who was responsible for the assist loan

(welcome/progressive or Barclays)

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smoke screen!!

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

  • 3 months later...

Update.

Received a letter today stating despite our best efforts we have been unable to locate an account relating to your details.

If you have a copy of the credit agreement please let us know and we will look into it further.

 

 

I guess I'm out of luck on this one, as I know it was WF who sold it, as I had to contact them to get the entry removed from the credit report.

 

Infact I remember that Howard Cohen took ownership of the account at one stage as WF said I had not paid, yet provided all proofs to Howard Cohen, then account was closed.

 

Is Howard Cohen still trading - as I could get the details from them..

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part of lowells group

why not sar them its free now

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

cohen!!

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

Sorry DX slightly confused.

If Howard Cohen are no more/taken over by Lowell then wouldn't it be Lowell to contact? If so I had a SAR a last year with Lowell a d there was no mention of anything to do with WF or Cohen

 

If it is still Cohen I need to SAR is it still the Leeds address at Hanover Walk?

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cohen were always lowells, they are now Lowell solicitors

surprised the sar didn't reveal anything then.

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

seems like you had the same issues in 2009.

 

cant see how you can move this fwd as the lack of information now stems almost +10yrs

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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  • 2 weeks later...

Update..

Thought I would try PPI claim to Barclays via resolver seeing as I signed the paperwork in one of their branches.

Letter came through saying they are looking into my request and even quotes an Account Number under PPI policy 😊

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  • 1 month later...

Further Update:

Yesterday I received a cheque from Barclays for £1117

They said in the letter this is the approximate amount they have issued for all Barclays Assist loans.

 

So if you have had a welcome finance Barclays Assist loan get a claim in straight away

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nice you've found a route in there

this sounds like what Lloyds do.

they have some info that you had a loan and with PPI but that's where it ends

so use a generic reclaim figure.

better than nothing

 

marked was won.

 

 

dx

 

 

 

 

 

please consider a small donation for all the help CAG has given you over the years......

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

Same as Canada Square (Citi products) received cheque today for £500 for a low credit limit card, where they have identified there was ppi but too far back. I'm sure I only held the card for 2yrs. Highest balance £150

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