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Everything posted by VILKA

  1. Majority almost 99% from credit cards and personal from banks and rest is from housing benefit overpayments about (£2500) which the council hasn't accepted to be within IVA and have a separate thread started for that 1% is for utilities
  2. Hi, We are in IVA since 2014 July, due to change in circumstances the variation meeting with creditors arranged resulted in their refusal to accept the completion of IVA. Having gone through various posts , as every individual has different case, I am getting confused Having left with no other alternatives, I have couple of options for myself to accept the DRO and for my wife above £20000, go for BK, I am not sure as to what happens to the income as we are totally within the state benefits and my question is how are the funds managed on daily basis until 3 years of the BK, do we need to make any payments as there are no surplus or whether it is going to be decided by the trustee on each and every penny we spend. No assets, only a car used for disabled as a carer worth about £5000. Help would be appreciated.
  3. Hi, After a long time, on a different subject. We have been overpaid about £1500 during June 2015 till May 2016 which is not disputable, also there was an discretionary payment of 2000 maid to us in 2014 of which £700 was aid back and further about £500 has duly been recovered by weekly deductions. In the meantime, in July 2014 we entered into n IVA which was duly notified to the council , still they continued to recover ignoring the letter from IVA company. both the recoveries/deductions are coming together to almost £100 pm. However, my IVA is about to be failed because of affordability and exploring possibilities of DRO or BK. What are the options available for me to prevent from paying the remaining of almost £2500 towards overpayment of the hB CT Please help
  4. Fortunately I feel, the PPI should not be time barred as I have in writing from them in January 2009 that the PPI is missold and that they agree to pay back. However, surprising it may sound the case is handled by IND and the claimant is Welcome finance, we have approached IND to provide the paperwork and pointed out the descripancies, any thoughts anyone can anyone be of any help the PPI amount of £1650.00 since June 2007, as accepted to be refunded in 2009, what could be the calculation to get refund, if originally it was an agreement @43.5%
  5. they are not taking initiative and waiting for response from welcome which they are not providing with any documents they are relying on as the ccj is already awarded by sending the documents to previous address
  6. Steampowered, Sorry to be away from the site, because of the ongoing hospitalisation issue of my wife. After chasing for couple of times by the bailiff, I have been in touch with my solicitors. Surprisingly yesterday, I have received second warrant of execution from the county court and subsequently from bailiff. Now I have an appointment with solicitors at 3 pm today. what should be my stand now. Also as said, PPI is certainly an amount of £1642 charged since June 2007 and my ccj is for £9000, also worth noting here that the default amount was £5600. can they go on adding capitalisation and interest thereafter thereon. Please its a matter of urgency to get the monkey out of back. whatever is genuine outstanding can be dealt with but how to arrive at the correct figure. Post was supposed to look into it, but as it seems that he is away, is there anyone from the site or any expert to guide me please
  7. Postffj any updates for me please
  8. Postggj sorry to be pain, just a bit more anxious as the pc started running about the draft
  9. Posttgj Much appreciated the matter entirely rest on you as always and I will execute accordingly Due to PC crashing have problems may be until tomorrow
  10. As per our discussion I was waiting for you to advice yesterday and yes I am going ahead
  11. Just a quick question, car on HP with Welcome purchased in 2006 has been scrapped in 2011. Other car is bought in the name of my daughter, who is not on the insurance, having me and my wife on the insurance which is on HP. It is used for the purpose of and registered as a severe disability of my wife. Even if the letter has not been issued by the bailiff I wonder whether the bailiff can lay their hands on it. Please guide me also, can welcome chase &/or take up the matter to county court for the car loan which is also in dispute, despite that they have defaulted in first quarter of 2009, if so what is the remedy for that,as the car has already been scrapped in 2011, the loan was in 2006. Postggj Any updates for me please
  12. looking forward to your able assistance, as always
  13. also as per county court though they have issued warrant there is no letter or action from the bailiff as the court has inofrmed me today, when do you think the bailiff action should start, so that i can be over cautious
  14. As of now there is nothing registered at my current address when checked just now o I need to convince my solicitors do it on my behalf or I can just go ahead and ask it to be set asid, also if we decide to go ahead for set aside, do we need someone to defend it with case laws or legalities or I can do it on my own if the solicitors have reservations, any which way I would be happy to do it, what would be the further course of action
  15. I did check couple of months ago and the door number is wrong and post code was ok at my current address
  16. I have spoken to them and indeed they handled the case and the claim form was sent to the address which is my address in 2008, thereafter I have two cahnges and the SAR and all the communications were received on the updated address. I can PM the dates of the claim form and CCJ date
  17. we dont know when the CCJ was, it is sinc emore than a year but not showing on any of my credit files as of today
  18. Just spoke to the court, they have got no information about the solicitors with them and they have asked me email them about my requirement of documetns when told that the judgement obtained is a default judgement. also bailiff has not taken up depite the warrant being issued my solicitors said that it is difficult to obtain set aside Postggj what should the email to be sent to the court if you can PM me please
  19. Postggj, PMed you who is the claimant date default judgement was awarded what address the n1 claim form was served on How can this be found out
  20. As for the site team, I am unaware of the date of CCJ and there is nothing on Credit File with all the agencies till date, I have a record of updating all the three addresses and all their default charge notices were duly received on the new addresses from time to time
  21. Thanx Postggj, Actually as per the amount I can conclude that it is for the unsecured loan as I haven't received any communication prior to the CCJ. On the letter/communication from the county court it is said to be Welcome finance only. My solicitors are chasing them but there is no response as they are unaware of any such thing Also, please let me know how can I set aside I can PM you the commnication from county court
  22. I have two accounts the car loan started in Aug 06, and personal started in July 07. The branch even after setting up the direct debit could not operate it properly and despite having balalnce in bank account because they were unable to take it out of it they used to call me and I paid them many times in cash . The y have been charging the call charges They have added break down insurance/charges at the time of disbursement on which they are charging me interest, which withn one week I told them is not acceptable.and I have noticed that it is for 49 months and not 48.for car. after the personal loan disbursement which was in July 07, they added PPI which also was raised within 30 days. the instalement was £284, should have come down if the PPI taken off. I was following up with them innocently and they went on promising, but didnt do it. From Feb 2008 until July 2008 6 instalements were collected as 3 direct debits for 2 accounts.upon contacting they asked me claim the money back for the 3rd direct debit each month. which i did in july 2008,the car instalement is £237. Until then neither the PPI nor the break down have been cancelled.in between they went on adjusting the amount of £237 from my car towards personal loan. I raised the matter with different authorities within Welcome, and ultimately from Nov 08 stopped paying them Instead of replying to my complaints they have recently in this month put a default of my CRA. hI ALL, THIS IS JUST A SHORT HISTORY OF MY EARLIER THREAD. However, despite having the account in dispute on records with Welcome and addresses updated from time to time , they got a default CCJ perhaps by communicating to my older addresses with no chance for me to defend. The same was communicated to me in June 2012. Thereafter, since I am without job, I have completed all the formalities of the court by submitting the I and E form in January 2013. Also stating that the amount in judgement is in question and due to the nature of default notice and other irregularities as pointed out by the experts here, the loan is unenforcable. Last week I have received another letter from the court that if the total amount is not paid by 18th June I will have bailiff pleasure at my door steps. I have engaged solicitors,but I am worried about the state of heppenigns, as I have nothing for the bailiff with me in my name. It is said that since I had stopped paying them since issuing a letter of dispute in 2009, I wont be able to approach the county court to set aside the CCJ. In which case, what are the options for me. All the paperwork previously done as per the guidance given here, like cca, SAR wherein there are found to be more than one lacunae with Welcome. Expert advice please asap. Postaggi, Please help
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