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Andydarlo

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About Andydarlo

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  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. No-one "advised" me it was statute barred. If I recall, I began paying simply as I had reached a point around 2012 where I was dodging debts left right and centre, and begun token payments to a number of debtors. Some I had no dispute with and have since paid off in full. I begun repaying as I was not trying to dodge the debt, I wanted to improve my general financial position by paying things off and move on. I didn't and dont dispute that my signature is on the loan documents and made payments of around £900 in 2014/15. However, as I got more
  3. In 2011, Welcome Finance was insolvent and entered into a Scheme of Arrangement, a legal agreement prioritising the repayment of selected creditors over many other business functions. Essentially at this point Welcome stopped issuing new loans and turned into a collection-only outfit. It would appear that the only way they could make money was not to lend it out. They had to do this becuase their parent company, Cattles PLC, also did this. Over time, as their loan book shrinks, the staff they need would reduce too, so I guess they are getting smaller all th
  4. Hi, I would like to join the queue of people complaining about these idiots:evil:. In fact, I already have complained:-x. I complained around 5 areas: 1: No affordability checks were carried out 2: Shortfall Insurance product did not achieve what I was sold it to do 3: Mis-selling of financial products (loans) subsequent to initial loan, continuing to add interest to interest as loans were rolled over. 4: Additional charges e.g. late fees, telephone call fees, letter fees being excessive and not backed up by evidence of letter sent or call made. 5: St
  5. I dont remember seeing a default on my credit file from them. I tend to retain correspondence for ever and ever (am certainly sure while I might lose a receipt or reminder letter or two, I would have retained a default notice). Honestly dont think they ever took that step. Wouldn't a SAR just reveal copies of what I already have in my loan agreements?
  6. The default date on my credit file is 1/1/2010. The DCA are stating that this means they can legally pursue until 2016. I know I could contest this through proving payment/contact etc in last 6 years did not take place, but this course of action would only get them off my back (am to be honest they aren't annoying me much) and I would like to look to ways I can get this settled on my credit file before 2016.
  7. I have a historic debt with Welcome Finance which, after a prolonged period of time, has gotten back in touch with me. Having read a few posts on this site, I think there may be a few options I can look into with regard to possibly reducing the balance on this debt. There is quite a long story here, so let me explain as best I can.... 18 Aug 2001: Purchased 2nd hand car from Direct Car Finance. Finance provided by Welcome Finance. No PPI. Shortfall Insurance also taken out for full loan term. Breakdown and recovery insurances also taken out, not
  8. Thanks for the confirmation Have done the statements from 05/2001 to 12/2005 and we have a total of £2162.43 so far. Just a few more to add on and I'll be getting somewhere Never before has data entry on to a spreadsheet given me so much joy! Thank you all again x x x x x x
  9. First, can I thank everyone who's worked to put all this information together, it's a real goldmine of a resource and you are all stars! I'm just putting everything together at the moment, and am completing the spreadsheet of charges. I know I can claim for unpaid DD/SO/CHQ and for items that have been paid while overdrawn, but can I also claim for the monthly unathorised overdraft fee itself? Any advice would be appreciated - thanks in advance!
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