Thanks dx100uk found a link to their underdog Capstone now called Acended, I will let you know how I get on Keltyboy

Hi Can any one point me in the right direction I took out a mortgage with SPML then had it transferred to Capstone Mortgages. Having had some success with a ppi claim against Welcome Finance now thinking about taking on SPML/Capstone. I cannot however find an address or contact details for the parent company . So can anyone help out with an address. Cheers Keltyboy:smile:

IdainFife It was a voluntary and Grease monkey that sum was for charges such as letters and late payemnt or non dd payemts

Greasemonkey, yes that is correct in excess of £13000. Silly I know but.

Meant to say that I stay in Scotland, can the finance company still apply this charge here

Hello, I purchased a car in 2007 for £5450 and with interest the oustanding balance was 11350 according to the finance documents issued by Private and Commercial Finance Company Ltd of London. In 2011 the car was repossessed by their agent and sold at market. I have since received a statement from PCF that shows the payments made and subsequent sale of the car amounts to 13000 +. I havespoken to them on the telephone informing them on numerous occasions that I was out of work due to a leg injuryand since written to them stating that I am now no longer working and in receipt of the State Pension as my only income. Today 10/07/2012 I received the following letter. Mr. X. XXXXXX Address URGENT RESPONSE REQUIRED Dear Mr XXXXXX Re: Private and Commercial Finance Company Ltd and Yourself(ves) Agreement No: XXXXX Outstanding Liability: £3917.83 We refer to the above matter and note that we have recieved no payment from you since 17/04/2012 This is your final opportunity to contact us with proposal;s to clear your balance Should we not hear from you by 13/07/2012, we shall instruct our solicitors to obtain a charge against your property. This means that a County Court Judgement will be registered against you which may result in enforcement and sale of your property If you wish to avoid this action contact us asap. Signed Sanjay SHah Also attached is a printout from Ooplah giving the value of my house. All I can say about that is thanks didn't realise the house was so valuable Any help would be acceptable Keltyboy

Yes but they are denying it I will however send another one rightly or wrongly.

Hi I received a letter from dcl In June in respect of a Welcome Finance Loan, I sent off a CCA request non recorded on the 23rd of June. Up until yesterday 18th July I had not heard from this company, so I prepared a letter advising that I was placing the account in dispute. Today 19th July I received the following letter. "Hillesden Securities Hillesden Securities Ltd. BUCKINGHAM ROAD BRACKLEY NORTHANTS NN13 7DN Mr X Xxxxxx 18 July 2011 Dear Mr Xxxxxx Account Number 1xxxxxxxxx0 Formerly Welcome Financial Services Ltd xxxxxxx Thank you for your letter dated 23 June 2011 regarding the above account. I can confirm and advise the following:- We have removed your contact telephone number from our records and will continue to pursue you through written communication only. Please note that if you do not keep a regular dialogue with us regarding this account and update us accordingly, our guidance from the Information Commissioner states that we are entitled to re-instate your contact telephone number to continue collection activity on the account when required. Hillesden Securities T/A direct legal & collections are an agency collecting on behalf of our client, Welcome Financial Services Ltd who remains the legal owner of your account. Your request for information under the Consumer Credit Act 1974 is required to be made directly to Welcome Financial Services Ltd. Your letter states that a postal order for £1.00 is included, however there was no postal order enclosed. Upon receipt of your letter and statutory fee Welcome Financial Services Ltd will comply with your request. Yours sincerely Data Controller Compliance Team Telephone: 01280 845616 Registered Office: Willow Road, Bracklcy, Northants. Registered No. 1418063 in England. A Member of the FACCENDA Group of Companies" My query is do I contact Welcome or as dlc are their agent continue to deal with them. I have sent off the dispute letter and a copy of the original request again this time registered post.

Thanks guys for all the good advice. but as my wife is ill and has been for some time now I have sadly just rolled over on this one.

Sorry to have taken so long to get back to you all, thanks for the advice. I posted on here too late to get anything done, as the car was repossessed by two males (who even scared my dog.) the next day, I tried to use the refusal of entry to property letter but that was treated with derision by the "Licensed Debt Collector" , who looked like he eats steroids for meals 3 times a day. (he made me look small and I am 6ft 2ins). I am now waiting on being told the outstanding amount to pay then I will negotiate repayments to suit me.

Unfortunately they have this voluntary surrender form/letter. so I don't know how it stands however I will give them the no callers letter and see where it goes from there. Thanks for the positive thinking.

I have a car on finance with PCFCL Last year I got into arrears and when an agent of the company called at my house, I allowed him access, and under duress, before paying the arrears to him I was asked to sign a Voluntary Surrender form. I then paid the arrears to this agent. Since then I have due to loss/change of employment again fallen into arrears what with the high interest rate and charges levied against me. I know owe 1200 in arrears, I have made an offer to pay an extra 200 per month, but this has been declined out of hand. The person on the telephone, asked if I had any savings to settle the finance just now. They were looking for 4000.00 and the account would be closed. I have had a call from a car re-possession company who are coming to collect the car tomorrow. I don't wish to loose the car is there any advice that can be given to me before tomorrow.

Hi Seriously fed up, I too had dealings with Cabot over a Visa Card Account. I sent them a CCA Request in 2009 Got a reply saying they were in contact with the original issuer, as yet have not had any reply. I then followed up by sending them a letter putting the account they had/have in dispute. Still no reply. So stick to your guns and use the templates on this website. Keltyboy

I had the misfortune to contact this company and had the same runaround, however when I asked to speak to those named Sarah, Robin, Beverly, Simon or Harold. I was told that they donot work for this company. I have submitted a complaint to the OFT about their practise. In the post this morning arrived a letter from Ralph Marlon Ltd who had been given my details.

Thanks Flyboyagain, I shall draw up a letter tonight using the template that you put on earlier and let you know the outcome. There was no webform filled out as it was done via mobile phone with nothing to sign!

I have recieved the following 2 letters from them both dated the same day. No 1 is regarding a visit No 2 is in reply to my CCA 1974 Request 1 ] Moorcroft Debt Recovery Limited — Home Collections Division P.O. Box No. -17, 2 Spring Gardens, Stockport, SKI 4AJ. Telephone 0161 475 2811. Fax 0161 477 3864. Date: 02/11/09 Moorcroft Reference. XXXXXXXXXXXXXXXXX Client Reference. XXXXXXXXXX Dear MR Xxxxxxx Re: ORANGE PERSONAL COMMUNICATIONS Balance £30.48 Our records show that despite our letters to you, you have defaulted on the agreement we reached with the result that you are now in arrears for the sum of £30.48. As a result of this your account has now been passed to our Home Collections Division for action. This may involve our local representative calling at your home address within the next few days to try to assist you and to seek to establish how you propose to settle the balance outstanding. If however you wish to continue paying direct to this office you must send a payment to us for the full amount of the arrears. It is stressed that this payment must reach us no later than 10.00am on 09/11/09. We would emphasise that if no satisfactory agreement is made with us or our local representative you may leave us with no alternative but to recommend to our client that they instruct solicitors to commence legal proceedings against you without further notice. Yours sincerely, A.J.Martin Debt Recovery Manager Please note we are open Monday to Thursday 7.15am to 9.00pm, Friday 7.15am - 7.00pm and on Saturday 8.30am to 4.00pm __ To make payment using your debit card please 2 Moorcroft Debt Recovery Limited Moorcroft House, P.O. Box No. 17, 2 Spring Gardens, Stockport, Cheshire SK1 4AJ. Telephone 0161 475 285S. Fax 0161 477 3864 Date: 2nd November 2009 Moorcroft Reference: xxxxxxxxxxxxx Client Reference: XXXXXXxx Dear Mr Xxxxxx Re: Orange Personal Communications Balance: £30.48 Further to your recent communication, I write to advise that the credit agreement is paperless therefore, they can not provide a copy of this. Yours sincerely The question that I need answered now is do I reply that as there is no contract do I have no debt to pay

Hi All just an update as yet Cabot have been unable to get the info requested so will wait until 15th of November then send out the default notice.

Hi, I have today received a Notice of default sums from my car finance company, namely Private & Commercial Finance Company. The letter states that "Pursuant to section 86E ot the Consumer Credit Act 1974, they are charging me £10.00 for a letter sent out to me!! I have checked the CCA 1974 only to to find that Section 86 deals with "The Death of Hirer or Debtor". As I am very much alive and kicking..So I have asked them to refund any charges applied under this act. I would appreciate any help guidance in this manner. keltyboy

Hi, Thanks to both of you for this information and I have no intentions of paying them if I can legally do this. REgards Podge

Hi all, Thanks for the information and I will use this in reply to their letter (Moorcroft). I will keep you updated. Podge

DX100UK Thanks for that piece of information puts mine and the wifes mind at rest. REgards Podge

Hi I have received a letter from Moorcroft threatening me with a door step collection visit should I fail to respond to their letter. I have sent off a CCA Request as recommended by this forum. Does anyone know of a draft letter that pertains to doorstep vists under Scots Common Law, such as the one in the forum library for English Common Law. Ta in advance Podge fae Kelty:-) http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

I also recieved a demand from Cabot for outstanding debt to Vanquis. have just sent off a CCA request from the CAG to Cabot and have recieved the standard reply "We have do not have those details but will attempt to get them within 14 days." they also returned the £1.00 PO I sent as they do not require this payment. I am awaiting the 14day reply, before sending off the a default letter as suggested in other threads on here. I will then making a full and final settlement offer of 10% the outstanding debt owed. "So go ahead and try it may make my day" to misquote the line from a certain film. Keltyboy:idea: DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumerforums.com/resources/templates-library/86-debt-collectors.html

Hi Superfrog, see that others have replied re the final settlement letter I got the link from IdainFife, but have copied it below for you to try. Ida Kelty was my home turf as well. podge Dear Sir/Madam Re: 4563210025897412 (Add your own ref) I write with reference to the money which you are claiming on the above account. We can confirm that we are unable to offer to pay the money which we owe in full. However, I can raise £? and I want to offer this as an ex−gratia payment in full and final settlement of the account. This offer is made on the clear understanding that, if accepted, neither you nor any associate company will take any other action to enforce or pursue this debt in any way whatsoever and that we will be released for any liability. We also request that, if accepted, you will make an entry on a credit reference agency file relating to the above account as "satisfied" in full. Payment can be made within 2 weeks of receiving your written agreement of this offer and method of payment. We look forward to receiving your reply. Yours faithfully

Hi Regards to CCA payment request, I also recieved a demand from Cabot for outstanding debt to Vanquis. have just sent off a CCA request from the CAG to Cabot and have recieved the standard reply "We have do not have those details but will attempt to get them within 14 days." they also returned the £1.00 PO I sent as they do not require this payment. I am awaiting the 14day reply, before sending off the a default letter then making a full and final settlement offer of 10% the outstanding debt owed. So go ahead and try it may make your day. Keltyboy:idea: