Thanks Andy'

I wasn't aware of that.

So the court will send me the general order stating how much to pay pcm or one lump sum?

Then I use N245 to say can I pay x amount pcm.

Cheers

WK

Many thanks for reply Dx

No mention on payments guess I will have to contact IND LTD an make some kind of monthly offer?

Waiting on response from Direct group ref other insurance;s added to account,then I will be able to forward these to FSCS.

Never dealt with IND ref payments are they flexible or quite stern.

Cheers

WK

Good morning.

Well was in court yesterday with WFSL.

Judgement went in favour of the claimant.

The claimant set out there reasons for bringing the claim against me.

I was then allowed to speak I pointed out to the judge the paperwork in regards to the charge for Mech Breakdown insurance paperwork which,

clearly states NOT APPLICABLE he acknowledged that and asked WFSL to explain his eplanation was flimsy at best typing error /mistake etc etc.

Judge then looked at statement of price he commented that I had signed the agreement that clearly states I will pay x amount on x day this figure included the monthly charge for mech breakdown,

so he would not allow it despite evidence to the contray.

However S69 cc interest was deducted on price of ppi even though the judge was a bit baffled as to why this had been refunded by the FSCS an not the claimant.

Judge also not happy with WFSL adding the 8% court interest before judgement being given as commented on earlier in post by DX therefore he set this at the bank of England base rate of 0.05% from the default date on account till yesterday.

So there we go.

Not entirely sure what happens next ref payments etc

Many thanks

WK

Thanks Dx.

Mech breakdown in total worth £628.00.

Could you poss help with post 63 as well please regarding court interest.

Cheers

WK

Morning.

Help/assistance ref my last post please.

Many thanks

WK

Quick update not sure if I have mentioned this although I have looked through thread.

When I received my SAR from welcome finance after checking countless times I came across some paper work they had enclosed.

This relates to Mechanical Breakdown Recovery

underneath this it states in bold type Not applicable

however I have been charged £503.00 incl of interest.

I have included this in my witness statement to the court and a copy to IND.

Is this likely to render the agreement unenforceable?.

Getting rather anxious as date is looming.

Many thanks

WK

Update on post.

Evening.

Welcome finance via the FSCS have settled my claim for mii-sold ppi

it has been deducted from the balance they are claiming at court and have notified them.

However what they have not done is recalculated interest under section 69 of the county court act.

Surely they are obliged to to do this as they have admitted miss-selling.

Also the FSCS have sent me more paper work in order to claim all other rubbish stuck on account at conception

after I sent letter of complaint to welcome head office

Morning Update on thread.

After sending letter of complaint to welcome finance ref additional insurance policies added to a car loan.

Received letter back from welcome stating welcome in default etc etc negotions on going with FSCS to allow customers to claim back these premiums in the near future.

Also received a witness statement from IND ltd from an external account manager with documents/evidence they intend to rely on in court.

something I have noticed on this gap insurance is listed on credit agreement however on the breakdown of charges for insurances it is listed as shortfall extra ??

I have received no such direction from the local court regarding a witness statement as was clearly advised to wait for court direction.

Many Thanks

WK

Hi Dx.

Is there some kind of spread sheet on site that I can use for working out interest on gap insurance etc,as I'm not much good at the maths thing.

Thanks in advance.

Wk

It would indeed.

Also pretty sure they would have to refund the interest added as per the county court act allows in my case i think its £800+.

Will get on it this afternoon

Thanks DX

WK

Excellent.

How long do they have/do i give them before they need to reply.

Secondly as this is subject to court action does it make any difference to my complaint.

Many thanks

WK

Good morning.

Update so far.

Have a court date of 24th March,i have also asked for the free mediation service which has not happened as of yet.

Welcome finance via the FSCS have awarded me my ppi claim against welcome this will come of the balance they are claiming at court.

Regarding the Gap insurance shortfall collision call emergency recovery and mechanicial breakdown insurance that was front loaded who do I complain to welcome finance or welcome via the FSCS.

Reason why I ask is I have spoken to the FSCS and they are saying two different things

I am on a list an when the system goes live ??? they will send me the claim form which I have been told is different to the ppi form.

Other story is should have received it by now.

Any advice much appreciated

WK

Good afternoon.

Received letter from Northampton bulk centre stating case has been transferred to my local court.

Prior to this they sent an allocation questionnaire to myself stating it must be returned no later than the

6th of December,which is was Iit stated that a copy must be sent to all parties concerned.which it was.

Howver unsure if welcome have to send me one if so I have not received it,can anybody shed any light on this please.

Thanks

WK

Hi

Took out a car loan with British credit trust in 2007,this was arranged by Net cars ltd(formerly net vehicles solutions ltd.

The vehicle loan is now paid in full since 2011.

At beginning of 2013 I instructed a ppi claim company to deal with(Don't do it)

I called them several days ago and got a letter in post saying they are unable to continue my claim as the FSCS have stated that Net cars ltd were no regulated at the point of sale.

Any ideas where I go from here,will I still be able to make any time of claim.

Thanks in advance.

WK

Welcome finance have removed my default as well.

I did read somewhere that due to complaints ref false reporting they took decision to have all defaults from cra removed.

WK

Michael hi'

Interested to see how this goes, as I am about 5 weeks behind you at this stage regarding IND and welcome finance

Just received there letter saying they had written to court ref going to trial.

Best of luck

WK

Have not requested any info from IND.

Claim form only states welcome as claimant and hegarty as solicitor,s

Remaining balance on this account is purely insurance charges ppi gap emergency recovery etc etc.

I think it is totally disgusting these people can take you to court for money outstanding that was as far as I am concerned added to the account fraudulently therefore illegally

Cheers

WK

Good morning'

Well update time received a letter yesterday from IND LTD,stating the claimant does not accept my

defence/part admission

Therefore they would like the case transferred to my local county court in order to proceed to TRIAL.

Any thoughts ideas or advice as to what happens next would be most helpful.

If IND are a DCA why are they writing to me and passing on letters from welcome finance who are the claimant as stated on original papers received from court

Thanks for prompt reply.

Purely states a date then says letter then a £10.00 charge.

Anyhow as things stand now I had to put in my defense by 16.00 today.

So have gone with section 77a of the cca as I can honestly say no such statements ever received other wise I would have noticed all the insurance that was piled on to account.

So will have to wait an see.

regards

WK

Hi

Just looking through my Sar that I have received from Welcome Finance.

All letters they claim to have sent via there log are unsigned is this usuall or have they just pulled them from archives.

secondly only have 1 £10.00 charge for a letter.

Wk

Yep that's whats exactly what they have done.

The 8 % stat interest has been added to the current balance on credit file not default balance as stated in post 38

Sorry just a very quick observation

have just checked my credit file and

welcome finance have added the interest to the default balance.

There has been no judgement on this yet are they allowed to do that.

So balance on credit file is now same as amount they are claiming at court.

Acknowledgement of service sent electronicially on the 30th Sept.

Need to submit defense by the 14th.

Cheers

.

Many thanks dx

It appears to it went to IND first then forwarded to myself as it is on there headed paper and not welcomes

PO Box 1293

Header page Saying we write in connection with case no xxxx

On the first page of the Hire Purchase Statement address is IND Phase 4 litigation and the welcome finance address in Ruddington.