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Everything posted by Miky-J

  1. HI guys update time again. Received a letter from BW Legal again few days ago. Stating they have spoken with there client and decided to with draw the statutory demand and now proceed through the county court. I had the stat demand set aside back in 2013 so not sure what the mean by with drawing it. Also i think there pushing not to try and get a CCJ due to it becoming status barred in little under four months time, Any Thoughts Miky-J
  2. Hi i have finally got the credit agreement from them i have scanned a copy and will be attaching it here. ok to me apart from there is nothing about rights to cancel on there could some one whom knows more look and see if this is correct. Regards Miky-j I have just picked this letter today. They claiming they haven't received a letter for me to act on my behalf even though they have corresponded with me over the last few weeks. Its a little confusing as in this letter it states the agreement as signed in 1990 Regards Mik
  3. i will send a cca request in the post in the morning. My Grandad had a loan with his MBNA credit card to buy a car but the interest rates were sky high. He was looking at loans with lower interest rates to pay the MBNA one off so it would work out cheaper in the long run. He Borrowed £7000 in the beginning. If it turns out she is 100% liable for this debt can they refuse an offer of £20 a month repayment. I know it sounds crude but my nan not got many years left in her. So i don't really want her worrying and stressing trying to scrimp by to pay the
  4. Date taken out 15 September 2009 First Default August 2013 Last Payment Made November 2014
  5. The Bank of Scotland has sent a letter stating they require £ 80 per month or further action will be taken. Back in Sept 2009 my late Grandfather took out a loan but sneakily got my nan to sign it as well . Unfortunately he passed away in June 2013 we informed all his creditors of his passing and forwarded his death certificate to them but this one came back due her signature being on it. while trying to sort the finances out for my nan this got passed to westcot debt collectors. with out us knowing she was paying westcot £80 a month. but they kept sending her letters asking for a
  6. Hi I've now had the information come back and unfortunately this is showing on my Nans credit file. Also we have had a letter from the demanding £80 pounds a month from her
  7. Yes my Nan had a catalogue with K&co and its the parent company HSPF (Home Shopping Personal Finance) whom the loan was with.
  8. From the information i have managed to gather. The loan as through her catalogue in my Grandad name but due to it being her catalogue she had to counter sign it. I will look in to the credit file to see if it is listed on there.
  9. Hi All Im hoping you can give me some valuable information as you guys did before. My Grandad took out a loan and sneakily got my nan to counter sign the application. Unfortunately my Grandad has passed away now due to him getting my nan to counter sign, They are now chasing her for the debt. To which she was extremely surprised about as he never discussed the loan with any one. West croft did take up the chasing of the loan but i managed to sent them packing. As they were not aware my Grandad had passed away, once id informed them of that
  10. Just a quick update as been off the net for some time after sending a letter to the solicitors regarding the SD they pass the account back and I've not heard anything since
  11. Just a quick update. BW sent me a letter saying i was to provide them wit documentation of the account being in dispute and that they had contacted the courts to see if i had made an application to have this set aside. Also they claim that i have not made any application. But*i have taken the papers personally, I am not surprised that they threatened me wit a bankruptcy petition if i did not provide them with the documentation the required with in 14 days. back in april and i have heard nothing else from them when i responded again by saying the account was
  12. Hi i have spoken with the courts today my self and they say they have not yet received it and advised me that i should resend it with a note attached with reference to the phone call i had with them. i find it weird how the loan was secured against my property but welcome seem to have lifted the bond to my property. i also find it very weird how not once has my wife been mentioned in amy of the correspondence from bw legal. when it was a joint application for the loan i have quoted the section 3.7 of the oft guide lines part f but they seem to be ignoring me.
  13. hii i sent my application to have this set aside on the 26th april. today i have received a letter from BW Legal saying they have contacted the courts and i have made no such application. Also they claim that there client has no pending dispute on file. they state that if in 7 days i donot make satisfactory offer to pay they will contact the courts to petition of bankruptcy Thanks Miky-j
  14. I've got the 6.4 and the 6.5. Form. Not to sure on what to put on the 6.5 one. Am going to take them to the court tomorrow
  15. Received a letter today from Bwlegal saying they will place the account on hold for a further 7 days as they require written documentation of the dispute. And that I should contact lowlle directly about this. But I did contact lowlle before I received the SD and they told me that Bwlegal was dealing with the matter on there behalf and all correspondence should be sent to them ? Are they just passing the book here. Should welcome finance not have passed all the details of the account over including all information regarding the dispute. While going through m
  16. hi i have just noticed that the statutory demand is in my name only. but the debt is jointly owned by me and my wife. Dose this make any difference to the demand. i also find it strange as in the beginning the original loan was a loan secured on my property ????
  17. Hi all well tomorrow will be the 7 days since i sent the email to bw legal. so im guessing i should now be applying to the courts to get this set aside ???
  18. Not to sure about the CCA i did send postggj some documents to look at but never heard anything from him
  19. HELP. have to day received a letter from BWlegal, presenting a statutory demand for this loan, I thought they were not allowed to sell the debt on if it was in dispute
  20. Have now received a letter from Lowell stating they have searched my credit file an found i am a home owner and that they will apply for a charge order at securer it against my property. How can they do this when the original loan was a secured loan against my property.
  21. HI all, out of the blue today i have received a letter from welcome stating that they have sold the debt on to lowell portfolio ltd. i thought it was my understanding that the debt could not be sold on due to the account being in dispute. as my self and welcome have not reached a agreement with regards to the ppi. Welcome did make me an offer but when i asked if there would be a new credit agreement written up it was ignored. I also find it strange as the loan is secured against my property so why would they claim they have sold the debt on. Any help would b
  22. Just a quick update, Still not heard anything back form either welcome or there debt collection agency regarding this. Apart from the statements of account and not to my surprise the amount is still rising
  23. Had a response from Incasso, saying. Further to our recent communication regarding the above matter, please find enclosed a copy of agreement relating to our clients debt as requested. We trust this resolves the matter and we look forward to receiving your payment by . In my letter to them i never asked for my agreement i asked for a break down to explain where the extra had come from i also told them the account was in dispute due to the miss selling of the PPI. I also mentioned the OFT's guide lines 2.6 H as 42man said. welcome don seem to want to know
  24. Dont mean to sound tick but do i send welcome a letter asking for the breakdown and how the amount owed has rocketed up or to the debt collector ?? Many thanks Miky-j
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