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Posts posted by rowyourboat1

  1. Hi


    I sent the CCA request to Wescot and have received a letter from Arrow Global saying that the request was passed to them from Wescot on 22nd December (Wescot would have received around the 9th Dec). AG wrote that they acknowledge the request and say they will process the request with the original creditor and reply.


    PO has been sent back and they also say "all collection activity will be suspended pending provision of the documentation"



    I have a few questions if you're able to help please?...


    Is this pretty standard correspondence?

    How does this affect the timeframe - Is it 12+2 days from when Wescot receive the CCA request or have AG bought themselves more time?

    I usually make payments to Wescot monthly - shall I stop doing this?



  2. Hope this is posted in the right place...


    I have a debt that has been with Wescot since 2008.



    I’ve paid this monthly since the debt being with them but I’ve got some cash to make a settlement offer now.



    Original balance was around £10k, now down to around £6k.



    They have said they will only do a partial settlement of £3k but won’t sell on the debt to anyone else or chase me again for this debt.


    I have a couple of questions:

    As the debt is old I assume the default is off my credit rating anyway so having partial rather than full settlement won’t make a difference?


    What is to stop the original creditor,

    they apparently got agreement for settlement amount from Arrow Global,

    it was originally an MBNA debt, to chase me again for this?


    I’d really like to draw a line under this debt and not have it hanging over me each month.



    Any help much appreciated.

  3. Hi there

    Very new here and hoping someone can give me some advice on a claim I've received for a Welcome Finance debt.



    The claimant claims the sum of xxxxx being monies due from the defendant Welcome Finance Ltd under a loan agreement regulated by the Consumer Credit Act 1974 which was assigned to the Claimant on xxxxxx. Notice of assignment has been provided to the Defendant. The Defendants loan account number was xxxxx.

    The defendant has failed to make payments in accordance with the terms of the loan agreement. A default notice has been served pursuant to the Consumer Credit Act 1974 by Welcome Finance Ltd.

    The claimant has complied, as far as is necessary with the Pre-Action Conduct Practice Direction.



    I took the loan out in 2007, I think I probably stopped paying a year after that. I had lost my job at the time.


    I have no record or documents relating to this loan now, although I am pretty sure I agreed to PPI and there have been charges added to account. Loan amount was 2k, claim is for over 3k.


    Having looked at other threads, looks like I need to send a CPR 31.14 - do I send this to MKPD or Welcome? Any other requests that I need to make?


    I have another week to reply to the claim and I want to defend if I have grounds.


    Any help much appreciated!

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