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Snupys66

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  1. Now thinking this welcome credit might be a forgery 1st don't remember signing it 2nd it state no ppi . Now searching for old credit agreement found my old bank statement showing payment to welcome in Jan & Feb 08 payment was £450.58 and after ppi removed payment was down to £383 .50 which agreement produced by welcome states was the original agreement notice amount borrowed hasn't changed .still 27k it should be 22k after removal of ppi . Am going to turn this house upside down if that's what it take . Wouldnt welcome had sent a copy of the original agreement to LR to secure debt ? Would try calling LR see if the keep copy .
  2. No statement included should arrive separately as par letter Ah received a statement last week but only 16/17 will post
  3. Ooooll welcomes CCA Request Agreement dated 2009 agreement signed 2008 LR entry 2007 blanked cca0001.pdf
  4. Got reply to CCA request from wWelcome (trying to up load doc) it has my signature , and the terms and loan amount repayment figures etc no ppi on loan I know loan taken out was 27k in total with 5k on ppi and cheque received was 22k but it's dated by me in 2008 a year after I took out loan and their signature a year after 2009 mine signature, and looking at the LR entry date is Nov 2007 which is the year I took out loan . iS this agreement Enforceable and binding as the entry on LR contradict the credit agreement dates . ? Wondering if I have any legs here help
  5. In response to that I believe it as welcome are regulated by the Fca and CCA covers land also , In the mean time I have received a statement from welcome debt £36k early settlement figure 36 k. Secure loan now a mortgage remaining term 145 months. Loan was taken out in November 2007 over 7yrs I Hope they provide me with statement showing term from onset , showing how the loan arrived at 36k from 22k this debt has being in dispute since 2009 due to excessive charge put on account . I believe they are not prepared to listen any F F offer as they can probably see the equity on the property . I have being cheated enough by welcome . No more Looking through welcome statement ending 2016 Jan arrears balance 22k monthly payments £383 statement ending 2017 Jan arrears 30k interest 0% . Their statement clearly states am in default under the CCA 74 so they acknowledge it ,loan taken out 2007 November
  6. Wes hoping to use their failure to comply as bargaining tool for lower settlement figure
  7. Advantage owned communitas don't know if they still exist as advantage has absorb them I think . I they have the same business address in Grimsby search communitas ppi reclaim it come up
  8. Now written to welcome CCA request . As they are unable provide SAR request They now have 12days to reply or I believe unable to enforce agreement . wonder how how I can get charge removed from LR if they don't comply with CCA request . I believed they should reply to CCA request by 7th Feb fingers crossed
  9. Good news advantage has replied to my settlement offer £10 k goodwill gesture make big difference from £22k willing to accept this but devil in me says lower reason for high initial settlement figure frozen interest now waived
  10. Called welcome finance today chasing my SAR they tell they haven't received my request . they also tell me they have no paper work on file for me just the balance they have on the system 34k , they wanted to know what I need for ? I explained ppi claim . anyway I requested a settlement figure . So I await their call .
  11. Ok I will draft a SAR and send that also in main time I will await there response to my settlement letter
  12. I defended it on the onset but I believe judgement was in defualt . just tried to obtain judgement on line but it's not showing on address the CCJ was more than 6years ago I think or could it be on my new address but CCJ was at my previous address . Moving forward you are suggesting a SAR I will rather have loan reduced to to a settlement taking into consideration ppi what do you think ?
  13. No I don't. but believe I can a copy for the county court .
  14. Has anyone had any dealings with a finance company call advantage finance ? Took out a secure loan with its sister co communitas finance in 2007 for 15k was making regular payment until I fell in difficulties the loan I took out had a ppi of about 5k I stopped making payments after I lost my job they then got a CCJ I came to an arrangement with them . To make repayment which I have since 2011 I am about selling my flat I call them in May2016 asking for a balance of account they gave a figure of 13k I didn't get this in writing and took theirword for it I have statement from ending 2014 amount owed 14k earlier last year I got letter saying my loan was now with advantage finance their parent company CCJ was also transfer to them as well as LR . I got my conveyance solicitor to contact them for settlement balance in their reply the balance now owed 21kplus of £4 daily until settled how can they suddenly increase amount owed. I knew there was ppi on the account which I believe would be a bargaining chip for settlement . In response to it I have now written them a letter including the statement I have for the account and cited ppi plus interest £7.5k threaten complaining to Fca , settlement offer 7k . Does anyone have other way as to deal with this issue as I don't whether my tactic would work .or is there a legal way of dealing with this : ?:please help someone tell me it's against ofcoms unfair guidelines
  15. Yes did on the 2nd of December
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