hi all, apologies in advance if posted in wrong place or incorrectly. I had a secure loan with future mortgages and that in turn was sold to engage credit which has been sold to Skye loans. Are they allowed to do this ? and is Skye loans a mortgage company? I cant find much info on them at all. Also I had PPI with Future and want to reclaim but not too sure how to or who to at the moment. Any assistance would be welcome. thanks Highjinks.

Have they/havent they bancruptcy saga Dont know if people know but came across this below - the link is CATTLES Share Price CTT CTT.L - Interactive Investor Recent News Date/TimeHeadlineSource11-08-09UPDATE 1-Cattles says bondholder, bank dispute goes to court AFX UK Focus By Lorraine Turner LONDON, Aug 11 (Reuters) - Troubled sub-prime lender Cattles will go to court to determine whether bondholders of Cattles Plc or bank lenders to its unit Welcome Finance have first call on its assets, the company said on Tuesday. Cattles, which is saddled with 700 million pounds ($1.2 billion) of bad debts after accounting issues and poor impairment provisioning, is in talks with lenders to agree a formal standstill agreement after extending the maturity of the 500 million pound banking facilities until the end of the year. The lender, whose shares are suspended, was hit by the credit crisis and its reliance on expensive wholesale funding. It closed its door to new customers in January in order to conserve cash. Uncertainty around the repayment of loans and bonds has forced the company to seek clarity in the High Court, where technically Cattles is taking its subsidiary to court. "This is a consensual legal process in which the court is being asked to resolve the previously described dispute between Cattles' banks and bondholders over debt repayments," a spokesman at Cattles said. Bondholders are demanding immediate repayment of 400 million pounds of debt which had been due to mature in 2017. Cattles said in July it would not make a bond interest payment. The group said on Monday it had sold its unit Cattles Invoice Financing for 70 million pounds to private equity fund AnaCap Financial Partners in order to repay debt. It said it remains in talks with its financial creditors. (Editing by David Holmes) ($1 = 0.6059 pound) Keywords: CATTLES/ ([email protected]; +44 20 7542 9597; Reuters Messaging: [email protected])

Hi Everyone! I have a secured loan with Welcome Finance and have just received a copy of the credit agreement and legal charge as I disputed that I had a secured loan with them. My signature is there and also it is dated, although the witness signature box has a small squiggle that I would never have called a signature! The legal charge has my signature (and again the witness signature box has a small squiggle) but the charge has no date in the signature boxes nor has it a date in the Date of Charge box. They also have the incorrect first mortgage supplier. The loan was for 12819.10 over 120 months (at 27.70% apr), although I certainly never received this amount (I am currently checking statements at the moment), I have been charged £300.00 for medicare, £2519.10 Optional ppi, £235.00 acceptence fee, £1100 mortgage indemnity fee. I want to know if I can do anything about this if there are dates missing and dubious witness signatures, especially on the legal charge document? If you wish me to scan the two docs I will. Thanks Happy New Year! HJ

No -never received anything. HJ

Hi Sequenci I didnt receive anything. I thought it would be statute barred as I have not been intouch for 6+ years? HJ

Hi guys I have recieved my credit file and also a document from the registry of judgements,orders and fines. There is no default or CCj relating to the student loan at all. I also categorically dent deny getting any documentation through aprt from the current letter,etc for the interim charging order. Could you advise whether it is/can be statute barred as I have not heard anything from them or I havent correspdeded at all since about 2000. If it isnt statute barred then is there anything I can do? Please have a llok at the 3 documents attached. two are the interim charging order and the other is from the registry of judgements,orders and fines. thanks guys for all the support HJ intrim order.zip

Dearohdear - please stop being so naive. At some point in life everyone is in debt. This may be with a mortgage, creditcard,overdraft,car loan, etc. I do not believe that you have never been in debt If you do have a problem with debt or have really good ideas on how to conquer the DCA muppets out there then please share otherwise bugger off

Just found this as well "Also found this "he Consumer Credit Act 1974 provides protection for people who borrow up to £25,000, entitling them to certain rights. For example, you must be given certain written information about the agreement, such as the APR and the total you will be charged for the loan and you should be given a copy of your credit agreement. The Act also says that a customer should be given a cooling off period, usually 14 days, or the chance to pull out of the loan." from :- MoneyExpert.com - Loan Guide

Hi Everyone I have just been searching about Welcome and came across the following "ANYONE who has taken a secured Loan with this lot can probably get the loan waived (in FULL) & you DONT Have to pay it IF you didnt receive a FULL Cooling Off Period!!). Welcome usually ONLY give 5 - 8 days Cooling Off, however the law states 15 days UNLESS you decide to break it!" The link for this is Welcome Finance - Blagger.com - The place to leave feedback and comments about companies you have used Can anyone clarify if this statement is correct or not?? rgds HJ

Sequenci Big thanks HJ

Hi Guys Thanks for all your help on this! The student loan was taken out 1993/1994. This was then due to be paid back once in work (this would have started 1997). I honestly cannot remember getting any court docs or letters through about a CCJ or any judgement about this. I understand though what you are saying. If there was a CCJ then there must be the debt. If the court or creditor has sent correspondence and I have not received and have not replied to at all, would it still be statute barred? I have requested my credit files and also RTL Home to see were I am (what credit score is really bad?) Speak to you soon rgds HJ

HI Sequenci Thanks for the advice. The thing is if I CCA and SAR them and I have got the dates wrong would this jepedise the posibility of it being statute barred? (I will scan the chrging order tonignt! -got my scanner fixed:) ) HJ

Hi guys Please help! I received a letter from a solicitors advising that they represented student loans and that they are to put a charging order in respect to the debt (approx 6000). I also received a doc from the court in response to this as well with a hearing set for mid sept. I went to uni as a mature student -loans took out 93/94 (I'll have to check). Finished degree 1997 and started work with a company and basically travelled around the world with my job living at over 5 address in the Uk since finishing uni. I havent been intouch with them although it is obvious that they have sent letters/taken matter to court. I have not received anything before, not even court docs. As this debt is technically 9/10 years old and I have not had contact with them could it be statute barred? Would it best to S.A.R them in the first instance? I will post the docs tonight so you can see them. Any advice very much appreciated. rgds HJ

Hi all Had a reply to my CCA request from Connaught. They basically have closed the account and passed it back to 1st Credit! They also attached the PO I paid them. I suppose 1st Credit are worse? Well (after being a bit ill) I am now in a slightly more upbeat mood! regards:) HJ

Hi all Had a reply to my CCA request from Connaught. They basically have closed the account and passed it back to 1st Credit! They also attached the PO I paid them. I suppose 1st Credit are worse? Well (after being a bit ill) I am now in a slightly more upbeat mood! regards HJ

Hi Yes I will scan it tonight. thanks everyone! Highjinks

Hi everyone I have a secured debt with Welcome (I know This was from a loan I had previously. Everything had been ok with small loans(unsecured) which I paid back sucessfully. I needed to get a loan and turned to them for obvious reasons at the time. The loan was for 5K and I didnt realise it until later that it was a secured loan. I do have a agreement (thin piece of green paper that you can hardly read and nothing else), which doesnt say it is secured and I cant see their signature on the bottom or date. The amount now owing is >15K (I will check and repost with everything confirmed tonight). I havent been paying it as they are 3rd inline and they have just left it/me alone and not bothered me, aprt from ocassionally advising of the amount owing with a statement. My question is that what is the procedure for getting rid of this one?:-? Any answers gratefully received. regards Highjinks

Hi all Well I have sent off a CCA request today with the fee and special delivery. I also did a SAR for good measure. Just have to see what comes back now. I did notice posts about coonaughts and stat demands which made me have another look at mine. There is no court name or stamp on it and also metions 1st Credit and LLyodsTSB. Could anyone advise if the stat demand is legal if it does not have a court named or indeed a court stamp -I will try and scan it tonight and post it so you can see. deeeeeep breeeeath:( regards HJ

Kenny Thanks for the reply. I would assume that it does have charges attached. The loan was only for 5K and the credit card was only 1.5K and I think the OD came to around 4K. They are asking for 14K. I will send them a subject access request. Do you think I should send to connaughts and 1st Credit and also regarding the legality of the stat demand - do you think it is legal if there is no court stamp or court name on the stat demand? Thanks for any advice or reply. Highjinks:)

Hi all Basically Nov time 06 received letter from connaughts about debt, telephoned them and found out at that point that it was for Lloyds TSB for approx 14k. I was told that as I had contacted them I was admitting to the debt. I agreed to payback 300 pm which was ok. Feb 07 (i think) I received a stat demand which on contacting them they said that it would held back if repayments were brought uptodate. I tried to start repaying again but unfortunately let it slide. I recently received another stat demand in the post (stapled and with nice purple cardboard corner). I have checked and everything looked official mentioning LLoyds,connaughts and 1st Credit) but there is no stamp at all. Is this inforceable with no stamp or no mention of a court ? The debt is made up of a bank account, Loan (5K) and credit card (approx1.5k). I assume that they have also loaded a huge amount of charges. I did receive a letter yesterday advising that they are preparing to go to court and will advise of court date soon. Advice very much appreciated. Best regards Fred

Hi all I have posted about this and a stat demand before but cannot find my post. :-| Basically Nov time 06 received letter from connaughts about debt, telephoned them and found out at that point that it was for LloydsTSB for approx 14k. I was told that as I had contacted them I was admitting to the debt. I agreed to payback 300 pm which was ok. Feb 07 (i think) I received a stat demand which on contacting them they said that it would held back if repayments were brought uptodate. I tried to start repaying again but unfortunately let it slide. I recently received another stat demand in the post (stapled and with nice purple cardboard corner). I have checked and everything looked official mentioning LLoyds,connaughts and 1st Credit) but there is no stamp at all. Is this inforceable with no stamp or no mention of a court ? The debt is made up of a bank account, Loan (5K) and credit card (approx1.5k). I assume that they have also loaded a huge amount of charges. I did receive a letter yesterday advising that they are preparing to go to court and will advise of court date soon. Advice very much appreciated. Best regards Fred

Hi everyone I would really appreciate help with wording for a CCA request and SAR for this? Really appreciated in advance Highjinks

Hi Everyone regarding an earlier post by me about a conaught collection stat demand, could I send a CCA request and a SAR to conaughts? If so what should they say? The debt is for a LLoydsTSB bank account which I had and was subsequently closed by TSB. The debt is for approx 14K. I am not too sure if this also includes a loan and also a credit card? What do you think the best cause of action should be. I need to get the SAR, etc off today otherwise the Sta demand will kick in. thanks Hijinks

Yes - I have no details from LloydsTSB trying to get the money just this letter last year from Connaughts, havent got a full set of statements for this as they closeed the account. regs HighJinks

Hi everyone -my first post! I had a letter from conaughts last year and did not know what it was about so I telephoned. Found out it was for a LloydsTSB debt amounting to approx 14K. The guy on the phone said as I called I had admitted the debt, being frightened silly, I agreed to pay 150 per month. I ended up missing a couple of payments due to my mothers death last year and when they contacted me again,It was with a stat demand (hand delivered by someone). I telephoned and made an agreement, and in my stupidity never applied to have the stat demanbd set aside. I paid as normal until Feb this year and tghings started to slide for thing or another and so am now in arrears by about 1800 pounds. Yesterday another stat demand appeared through my letter box. I dont really know what to do. The debt I think is made up of bank account and a smallloan. Obviously there has been considerable bank charges on the account with LloydsTSB. Could I ask them for proof that I owe the debt (eg bank statements, letter from LLoydsTSB)? anhd also can they pursue if I try andget the bank charges back? I know I need to try and get the stat demand set aside, but dont know a good enough reason, and also dont know how to go about it. Please help. regards HighJinks