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cruzhughes

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Everything posted by cruzhughes

  1. So what do I do now???? They aren’t taking any notice of anything. Do i I get another letter off? They aren’t doing anything Frustrating beyond belief this is lol
  2. I have got a copy of the letter they say I haven’t received dated 28th March. Where they've got that idea from I don’t know. nothing in the letter they’ve sent sheds any light on my letter to them in July I keep repeating questions to them that they still fail to answer its doing my head in
  3. They’ve already had that money from the FSCS in jan 2017 and kept it though?.. so so they are defo up compared to what they probably paid for portfolio
  4. Chuck this in?? I for one would gladly see you in court to yet again get this whole thing closely examined by yet another judge and finally force the removal of the charge against the property as the whole debt is subject to mass irresponsible lending, numerous penalty charges for all manner of indiscretions and other insurances making any balance bogus. I bring back your attention my letter off 25/03/2017 whereby this was fully outlined from the onset. However you chose to disregard my claims and dispute and proceed with a possession claim which was without merit. Which was dismissed and you were liable for my costs. Is this another risk you are willing to take? To make things simpler and less costly for yourselves take the payment you already received of £8,163.29. in full and final remove the charge, write the debt off and close this account down for good. My evidence regarding the resultant balance has been clearly submitted many times.
  5. It’s all the ifs and the buts that’s dragging this out.. how many years now. Surely there’s got to be some light at the end of tunnel and closure at last? this dragging on without responses is killing me
  6. How’s this looking? Really want to bash my head against the wall Dear Sir or Madam, Thank you for your Quarterly Mortgage Arrears dated 16th July 2019 It is noted that once again you have totally disregarded my letters dated 8th November, 26th January and 11th April and have failed to answer the questions put to you. Since my first contact with you Prime Credit/Alpha Credit Solutions 4 S.a.r.l. back in 2017 my sheer frustration in dealing with your ineptitude grows on a monthly basis. In regard to the outstanding balance you claim is owed • How have reached this figure • Payment schedule • Monthly repayment • Months remaining • End date of loan You state there are arrears on this account and there is a balance outstanding which I totally contest. Yet you remain unable to provide proof or answer simple questions put to you above on numerous occasions. However you continue to threaten rather than actively engage with me. This has been the case from day one. I have a log of all communication from 2017 to date (enc) which will confirm your lack of engagement with me on this long never ending saga. This letter is now 8th Complaint Account In Serious Dispute Letter since the dismissal of your possession claim against me on 15th June 2018. The delay and context of your 2 responses leave a lot to be desired and still have not provided me with any clarity on this situation. The long list of disputes are being ignored and have been since Jan 2017. Which is unacceptable. Once again I am requesting you remove the charge and write the debt off or give this debt back to the original owners Welcome Finance allowing myself and them to continue what was originally started with them in 2016, when instead of investigating thoroughly they passed the buck and they sold the bogus debt to you. Not forgetting to date you have already received a payment of £8,163.29. Take this payment in full and final settlement and close this account down. My evidence regarding the resultant balance has been clearly submitted many times. Thus coming to a simple resolution for both parties, without the need for extensive involvement of the FOS/FCA/ICO nor further Court Cases. I trust this provides you with a clear outline of my position. If you require further clarity on anything, do not hesitate to write to me and request it. I look forward to hearing from you in 14 days.
  7. Heard something 2 letter one just a quarterly statement but the other more threats with another statement from aug 18 to date. Time to send them something do you think? Prime_16th_July_.pdf
  8. Still not heard a pip after their joking threatening letter in June. whats my next course of action??
  9. Nothing was put on hold. 15thJune 18 It is ordered that claim dismissed counter claim dismissed the claimant should not be entitled to recover costs under loan agreement in relation to this dispute after 7th June 2017 Claimant shall pay defendants costs in 21 days But I think you may have got confused with this one A prior hearing on 21st aug 17 it is ordered that hearing be adjourned with liberty to restore provided if no such application is is issued but 20th Aug 2018 claim is struck out without further order.! How on earth can you come to any Agreement when they don’t respond to what you ask them. they are the ones causing all the problems here. I’ve tried and tried my best to get stuff out of them I can’t. I’m always banging head against a brick wall. This incompetence frustrates me immensely
  10. I’m back in the room.. Not received a response to March letter which the told me I should hear something by 18th June. But i have received this dated 17th June. Looks quite weak and pointless to me and they seem to have omitted what happened in court and that I have tried for years to come to an agreement but they don’t reply to questions asked. Muppets whats your verdict? Prime_17th_June_.pdf
  11. As you can see from the above I’ve only had 5 responses in over 2 and 1/2 years to 14 account in serious dispute letters. Copious ones threatening and requesting money that the figures don’t balance mind
  12. Prime Log after debt purchase 2016 First contact wrong address 14th Dec • Prime Overdue Amount 2017 2nd Feb • Excel Field Agent Handposted Letter 8th March • Me CCA Request/Debt In Dispute Letter 17th Mar • Prime Acknowledgment to complaint 17th March • Lightfoots LBA 24th Mar • Prime requesting £10 for Subject Access Request 25th Mar • 1st Complaint Account In Dispute Letter 29th Mar • 2nd Complaint Account In Dispute Letter 4th April • Subject Access Request 4th April • Prime Acknowledgment to complaint 7th April • Prime Still reviewing complaint 24th April • 2nd Request for information Re Repossesion Claim 17th March • Lightfoots LBA 24th Mar • Lightfoots Issue Possession Claim 27th Apr • Lightfoots Possession Claim request hearing is adjourned with liberty to restore Prime reviewing account 4th May • Prime Response 15th May • 3rd Request for information Account In Dispute Letter 24th May • Prime Still reviewing complaint 24th May • 1st Hearing Possession Claim General Form of Judgement or Order Adjourned 2nd Jun • 2nd Subject Access Request 7th June • Prime confirming missing refund from Welcome Finance 12th July • Lightfoots threatening Legal proceedings 21st July • Prime Statement removal of fees and PPI refund 26th July • Prime Restored hearing date set for 21st Aug 29th July • 4th Complaint Account In Serious Dispute Letter 11th Aug • Lightfoots Possession Claim request hearing is adjourned with liberty to restore Prime reviewing account 21st Aug • 2nd Hearing Possession Claim D • General Form of Judgement or Order Adjourned with liberty to restore strike out date 20th Aug 2018 30th Aug • Excel Field Agent Handposted Letter 30th Aug • 5th Complaint Account In Serious Dispute Letter 4th Oct • Prime Still reviewing complaint 10th Oct • Prime response 17th Oct • 6th Complaint Account In Serious Dispute Letter 6th Nov • Prime response 11th Dec • Prime instructing solicitors to start legal proceedings 12th Dec • Lightfoots threatening Legal proceedings 23rd Dec • Prime hearing date set for 16th Jan 2018 16th Jan • 3rd Hearing Possession Claim • General Form of Judgement or Order file defence and counterclaim 24th Jan • Prime hearing date set for 26Th Mar 21st Feb • Lightfoots Possession Claim reply to defence and reply to counterclaim 14th Mar • Lightfoots Possession Claim amendment 21st Mar • Notice of hearing application 26th Mar • 4th Hearing Possession Claim • General Form of Judgement or Order Adjourned to 15th June 15th June • 5th Hearing Possession Claim • General Form of Judgement or Order file Claim/counterclaim, no costs after 7th June 2017 dismissed Pay LIP costs
  13. Prime Log Since court case 2018 19th July • Me 1st Complaint Account In Serious Dispute Letter 3rd Aug • Prime Annual Statement 5th Sept • 2nd Complaint Account In Serious Dispute Letter 25th Sept • Prime Quarterly Statement 10th Oct • 3rd Complaint Account In Serious Dispute Letter 30th Oct • Prime Response 8th Nov • 4th Complaint Account In Serious Dispute Letter 28th Nov • Prime Overdue Amount Letter 2019 4th Jan • Prime Overdue Amount Letter 13th Jan • Prime Overdue Amount Letter 15th Jan • Prime Quarterly Arrears Statement 22nd Jan • Prime Overdue Amount/ Instructed Field Agent 24th Jan • DMS Field Agent Handposted Letter 26th Jan • 5th Complaint Account In Serious Dispute Letter 27th Jan • 6th Complaint Account In Serious Dispute Letter Re DMS Call • My Reply to DMS 12th Feb • Prime Acknowledgment to complaint 27th Feb • Prime Overdue Amount/ Instructed Field Agent 5th March • Prime Still reviewing complaint 28th March • Prime Response 11th April • 7th Complaint Account In Serious Dispute Letter 16th April • Prime Quarterly Arrears Statement 20th May • Prime Still reviewing complaint
  14. Still all quiet with me. However another letter received from Prime reviewing complaint dated 11th April should have a response mid June!, Im going to make a start of listing all my letters and the date they actually responded to each one.. months and months later. Should look good if I ever do end up back in court. As a don’t think taking well over 2 months to respond to is going look good on them. Not forgetting the ones they didn’t even respond to..
  15. The conduct by Welcome Finance whilst being the owners of this account leaves a lot to be desired. Any balance incurred within the last loan is result being an ongoing Unfair Relationship and the unjust enrichment on their behalf dating back to the first loan. The link between the last 2 loans clearly show that there was no benefit gained by myself as the last loan rewrote the full balance of the loan before it including fees and charges for an extended term with more Ppi and fees added creating a higher outstanding balance taking it to well over the 25k threshold around 31 emotion be precise. It was rewritten solely for the benefit of welcome finance and for their own financial gain.
  16. Another thing about this 12 year rule that concerns me is that legal charge was dated 2006? Dx im going to send you the finished draft. Want to get this off today if possible. Is there any legal bumf I can put in there?
  17. I’ve found it but not sure if relevant to me and this situation. We all know they wont be in a hurry to reply to this letter.. shall I invite them to take me back to court?? I am requesting you remove the charge, write the bogus debt off, give this debt back to the original owners or take me back to court and let a judge sort this sorry state of affairs out once and for all. My evidence regarding the resultant balance has been clearly submitted many times. And still you are unwilling to address my concerns
  18. This has been interesting I’m stuck with a Lloyds equitable charge on property from 2006. no records held anywhere. Debt has been sold no CCA. But the charge is still there. No closer to getting it removed
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