Hi all, What is next on the agenda? I've not heard back yet from either of these.

Yeah I was pretty naive. These were recommended by a broker. I had poor credit. platform sent me an initial request for a 10k balance after repo, but then I never heard anything again, nor did it appear in any credit file. I can’t recall about any Sar requests so I guess we’ll see what Azz have got. Courty courtp.pdf Also the timing of this - I've just put my current house on the market, and I think that information is available somewhere. Suddenly a court demand... hmm. Letters sent.

Sorry I forgot to answer that. Platform. house repo’d 2012.

Thank you. I have entered as you say on the MCOL site. I will send those two off tomorrow. It is very much appreciated. What is the plan once they're sent off?

Which Court have you received the claim from ? County Court Business Centre, Northampton MCOL Northampton N1 ? Yes Name of the Claimant ? Azzurro Associates ltd Date of issue – 14 June 22 Particulars of Claim What is the claim for – 1. The Claimant claims payment of the overdue balance from the Defendant under a contract between the Defendant and Kensington Mortgage Company Ltd, dated on May 11 2006 2. Assigned to the claimant on Jul 1 2020. Notice of the assignment has been given to the Defendant What is the total value of the claim? £12k Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? If you mean a claim for the debt yes, but no warning of court proceedings. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? No. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No. Secured loan on re-possessed property. When did you enter into the original agreement before or after April 2007 ? Before Do you recall how you entered into the agreement...On line /In branch/By post ? Through a broker Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned, debt purchaser has issued it. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes. Did you receive a Default Notice from the original creditor? Yes, I believe so. It was 2011/12 Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No. Why did you cease payments? Originally, could no longer afford them. What was the date of your last payment? I made some token payments but stopped approx. 6 months ago. Was there a dispute with the original creditor that remains unresolved? Not particularly. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No.

N9 pack, Northampton...

Thanks. Azzurro has now taken me to court for more than 10k regarding the above. There was no warning. They must feel confident they can win? Help!

Wow. I'd like to know why. How do I get it removed in that case?

Excellent, will do. Yes reads Welcome still. Is this significant?

Capital recoveries Northampton. They say Azzurro is their client. Fairly polite letter, and offering lump sum discount. Threaten field agent may come if I don't respond.

Sorry, dx, which spreadsheet do you mean? I'm just thinking that I need to remove the charge at some point so taking action now. I plan to move abroad in 3 years so that's my deadline. I don't think it was sold to coast. Charge still shows as owned by Welcome on land registry.

Thanks for the advice on this. Azzurro's have passed it on to a new firm. I'm just ignoring... Donation made.

As before, I've noticed that there are fees for the following: default sum fee interest, unpaid d/d, outside calls, skip trace, letters, telephone calls, acceptance fee for the loan and broker fees I've written to ask that they are refunded. If they are (or not), how do I actually get rid of this? Do I have no alternative but to re-mortgage and absorb it within that? Thanks for your help. Donation made.

Sorry I should have been more clear. I also own an apartment - the welcome loan was financed against that. This was in 2008. I still own it and rent it out. With the demise of welcome and my inability to afford the monthly payment it was taken over by Ascent.

Thanks dx. What is my plan of action from here as 'Ascent Legal' are now the owners of this debt and I still have the property. I feel if I was to stop paying they could enforce the charge.

Yes it is a shame. Thank you. I'm ashamed to say I have a similar issue with 'Ascent Legal' with a Welcome finance loan. The loan was secured on a property that I still own and still shows as Welcome finance as a 2nd charge. What should I do here? I am also paying them a monthly amount.

At the time I was in the midst of applying/training for a job that required very high standards of personal finance, so I was concerned about it from that point of view. So I thought if at least I'm paying that would demonstrate responsibility towards it. Ok, what should be my plan from here? The debt does no longer appears on my credit file - don't know why - and I'm concerned it might make an appearance with this new company if I refuse to pay them. (I can't believe it's been 5 years. Thanks for finding that old thread)

You're right, I did send some follow up messages, but still no response. No written evidence. I will send the SAR. Thanks.

Ok. I recalled in writing this that I sent an SAR approx 2 years ago, but never received a reply. They asked me for income expenditure form, but I just said 'I can afford £25 a month' and that is what they accepted. Had no further contact from them over it.

HI I took out a 2nd mortgage with Kensington for £10,000 in early 2007. In 2012 the house it was secured on was repossessed (had a terrible two years) and this was actioned by Kensington themselves as I was behind in payments. I have been paying £25 a month up until recently, but the loan has been sold on to Azzurro. My first indication of this was a return of my d/d which was re-credited to my account. The letter states 1 July this year. The balance is £11500. What are my options here? Shall I send an SAR to Kensington and see what fees they have charged me over the years? I am not sure what to do. I do not really want to pay £11000+ as I have paid a lot over the years already. Advice most welcome. Thank you.

Ok thanks DX I'll get on it and update you.

Welcome have sent me the files and accounts from my SAR and it reveals no PPI, no MIF, but does contain many fees and confirms they have a second charge on the property. Can I reclaim fees (plus interest)? Can I request they remove the charge? The typical fees are default sum fee interest, unpaid d/d, outside calls, skip trace, letters, telephone calls, acceptance fee for the loan and broker fees. What would be your advice to do from here? Thank you.

Ok Andy we'll see what they say. I haven't Dx, I don't believe I had ppi with them but it's something I'll look into. Would you point me in the right direction for the correct address? Ok I've found MIF. Don't know is the answer. I'll get on to a SAR and start claiming if necessary. Do I just send to the address on their website?

Hi all, in 2008 I took out a secured loan of over £10k from Welcome and within a few years struggled to make the payments. The loan went to Cabot on Welcome's demise and then to Ascent. 2 years ago, instead of consulting this site(!), I started paying Ascent less than £100 a month (don't want to be specific, in case they're on here) and this has brought the amount down. The balance is still over £10k and there is a charge on my property. Having spoken to Ascent, I have asked for a settlement figure and they want and income/expenditure thing (not something I trust, it's just to see what they can squeeze out of you I think) before giving me one. I have offered around £4k. My main priority is to get the second charge removed. And hopefully for a substantial discount or nothing. Any advice from here please?!? I understand now that I shouldn't have paid them anything but as there is still a charge on my property I felt I had to.

Yes I even sent a copy of the BBC story. They just ignored it and referred to their previous letter. What should I do now?