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Blaz

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  1. I sent the above letter to BW Legal which also had a copy of the CCA request i sent to Lowells included with it. I got a reply today So far so good i think, although no reply from Lowell!
  2. Wow completely forgot about that thread, thanks! I'm going to SAR welcome when I get paid at the end of the week, would WF still have details on me, its been more than 6 years and someone told me the Data Protection Act means they have to get rid of my information. No I left it alone, figured id try go for the SB and it wasnt clear whether going for PPI would reset the clock. I'll see how the CCA request gets on first, if they do find it and I have to pay this back then I'll look into getting the PPI from the first and second agreements (and the interest) knocked off the total balance. So knocking off PPI and other charges for silly services such as life and medicare the acceptance fee etc . .. that should bring the total right down!
  3. I sent my CCA request to Lowells on Saturday and today my dad had two missed calls and message from "Advantis" saying to call them URGENTLY .... are they anything to do with Lowells? Also I signed my CCA, should i be worried about them scanning it? I used a signature that i never use, I have the original contracts that I signed and i made sure NOT to use that signature - so if they do scan it i'll know.
  4. Thanks for coming back to me! So ignore for now, what about debt collectors coming to the door?
  5. Hi all! Sending this on behalf of my partner - She took out a payday loan with QQ she thinks back in a time of crippling debt. She owed a few things out at the time and basically ran away from them when it all became overwhelming. She borrowed £200 in July 2009 and never paid a penny towards it, fast forward 5 years and a letter from BPO Collections has landed on our doorstep this morning, acting on behalf of Motormile Finance and threatening visitors to our door. So first question is - can she request a CCA? Because this was online is it different to a normal loan where you sign something etc. If someone does come to our door, they have no rights to enter our property without our permission do they? I'm fairly certain of that. Only problem is what if some bully turns up while im at work and barges past her. Thanks in advance
  6. It says on the second agreement "amount used to settle existing loan agreement" I thought at the time it was a rewrite but it seems it was a completely new "joint account" agreement. The last agreement also states "amount used to settle existing loan agreement" which is strange as I thought at the time the just needed mine (and my x-partners) signatures to split the monthly repayments - youll see in the final agreement they've also removed medicare , lifecare and PPI. All three have "acceptance fees" are they even legal? Im sure I read WF have got into trouble for that? Nov 2009 What is a SAR? If i request one how will it benefit me and will it reveal if they have the CCAs?
  7. Hi BRIGADIER2JCS thanks for coming back to me! I first borrowed in July 04, then borrowed again in Nov 04 (it then became a joint debt split between me and an x girlfriend). Then when we split in 05 the agreement was amended in May 05 to "split" the monthly repayments between us. I kept up my end of the bargain, she didnt so despite me paying my half, my credit score was destroyed. Anyway I eventually got sick of them not chasing her and happy for me to pay the whole thing - so when i moved house i never told them my new address that was Nov 2009. Now 5 years later Lowells have found me and sent me a letter which also included a letter from BW Legal (threatening court) - the amount is for £4100+. I sent a CCA request to Lowells and then this to BW Legal - So the last time i signed anything was 2005, I received a default in 2007 and my account sold on in 2009 to Lewis Debt Recovery (my last payment was to them in 2009). These are copies of my origional agreements Here is my first agreement from July 2004 borrowed £1500 [ATTACH=CONFIG]29559[/ATTACH] My 2nd agreement from Nov 2004 where we asked to borrow an extra £1000 on top of the £1500 [ATTACH=CONFIG]29561[/ATTACH] Then almost a year after our first loan they amended the agreement splitting the monthly repayments in half and generously knocking off some money in May 2005 (note the lack of PPI in this one??) [ATTACH=CONFIG]29560[/ATTACH]
  8. I thought a forum dedicated to WF would've had a lot to say about my post - I imagine lots of people on here wouldve requested CCAs from them, thought itd be interesting to see the success rate or the likeliness that they could provide them.
  9. Welcome Finance went bust in 2009 and sold on lots of their accounts (including mine), Lowell's have recently contacted me after me avoiding the debt for almost 5 years - I've been advised to send a CCA request, but that got me thinking, surely there have been lots of people come through here regarding old WF debts that have been sold on to Lowells or other DCAs. I wondered have any of you had experience in asking for CCAs specifically with old WF debts - are they really hard for them to find due to the company going bust? has anyone else on here been involved with topics regarding WF CCAs that date back to 2004/2005 and found that WF cant find them due to the accounts being so old??
  10. Thanks for all your help ! So its either court to settle PPI (how much will that cost though?!) and risk my statute barring OR Dont do anything and let the 6 years thing keep going ... but when did the 6 yrs thing start was it when the account went into default in 2007 or when i last spoke to someone ?? If it did get away with statute barring would it leave a permanent stain on my credit file? OR Bite the bullet and try to make a settlement fee with them ? What do you reckon my chances are of ringing up mentioning the PPI from 2004 and asking them to knock it off the balance and offering a settlement fee?
  11. PPI aside ... for one minute, if you look at my 2nd credit agreement dated Nov 2004, you will see that that the total amount borrowed £4012 plus interest is £6616.08. Then in May 2005 the third credit agreement you can see that the PPI has gone and my total amount borrowed is £3252 with interest is £5240.96. My point is on my recent credit report it states - Default Balance: £4,314 Current Balance: £6,393 I cant be entirely sure but i dont think ive paid enough to get the balance down to £4,300, im quite certain last time i spoke to someone at Lewis in Oct 2009 they said i owed £4,300 so not sure where the £6,393 balance is coming from as i think they froze the interest. Back to PPI ive read i can still claim because i have these original signed documents, the 6 yr thing is only because they keep the paperwork for 6 yrs. Im quite happy to claim back PPI (not sure if i paid enough to claim it back!) and get it knocked off the balance. But with the latest agreement in May 05 it looks like they knocked it off ... BUT i still paid for PPI when i took the 2nd loan out back in 2004! Does anyone knw where i stand with this? I mean i have proof ...
  12. Okay here is my first agreement from July 2004 borrowed £1500 july04copy.pdf My 2nd agreement from Nov 2004 where we asked to borrow an extra £1000 on top of the £1500 Nov04copy.pdf Then almost a year after our first loan they generously knocked off some money and amended the agreement in May 2005 (note the lack of PPI in this one??) May05copy.pdf
  13. Im at work at the moment, im gunna look for it tonight ... thx for getting back to me!
  14. Well i jus spoke to some guy over at Financial Services Compensation Scheme who are dealing with PPI claims on behalf of Welcome Finance, he said although he can see that in 2004 the two loans had PPI on them but the amended loan in 2005 does NOT. Therefore because the 2 other loans in 2004 where before Jan 05 he cant help me and that i have to contact Welcome .. . what can i say to them ? If i still have proof about the PPI in 2004 can i do anything about it ? Will they be more likely to settle the debt if i threaten them with PPI action ??
  15. Back in summer 2004 i took a loan out for £1500 a few months after that i borrowed a further £1000 with my x girlfriend as a joint loan. We split in 2005 an i was devastated to find that with interest i owed them £6,000+ back! Since then although i paid my half of the debt for a couple of yrs she never paid a penny my credit got destroyed and still is. I never spoke or paid a penny to them for a few yrs now (out of protest that they've always harassed me for the debt an never her). So i havent spoken to or dealt with them since 2009 even then that was a debt collector (lewis i think?) I want this thing gone, its been a ball and chain for too many years and ive realised im just goin to have to bite the bullit and get rid of it somehow. I think i maybe too late for a PPI claim now although i know for definite i was sold PPI, why didnt you make a claim sooner you ask? Well in May 2005 they amended my loan and told me they knocked money off the the balance (around £6,000) which took the balance to around £4,900. I assumed they knocked the PPI off but now that i look at my credit score im not so sure as it says my default balance is £4,300. Here is my report taken from Experian below:- Company name: WELCOME FINANCIAL SERVICES LTD Who's this? Account type: Loan Started: 31/05/2005 Default Balance: £4,314 Current Balance: £6,393 Repayment Period: Monthly Payment: £74 over 73 months Defaulted On: 14/04/2007 File Updated for the Period to: 13/02/2011 I want to know - Whats the best thing for me to do to get rid of this debt? It says it will be removed from report in 6 yrs after it went into default in 2007 (although I had contact with them in 2009) .. . Should i wait? Or if i call up and offer them a settlement fee ?? What is a Default balance?!?! Also this might be important or not .. . They said to me if i didnt take the PPI they wouldnt give me the loan, does this void the credit agreement? Im really at a loss to get rid of this debt please help! Thx!
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