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About Scr4bbeR

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  1. As I feared, it's so frustrating that the entire amount of equity we make from the sale of the house will be used to pay PRIME. I don't suppose it's worth me challenging the interest rates, and there being no reduction for an early settlement, or there being no response to the SAR?
  2. Ah yes, I read that in earlier posts. We rang the FSCS regarding what we believed was a breach of the original contract, Welcome had led us to believe that the loan could be transferred when we originally took it. We never had any intention of staying in this house beyond 10 years. Prime are refusing to allow us to transfer as they are only an account management company. We are now completely restricted as to what we can do. The FSCS advised us to speak to Prime and escalate to a formal complaint if we are unhappy, we believe Prime have 8 weeks to respond and if we are stil
  3. Hi Again Since my last post - SAR was sent to Welcome on 22.2.18 with £10 PO, No Response from them to date. The CCA with £1 PO sent to Prime Credit, they returned the letter and PO asking for £10 check with written request with signatures. I called them to inform them I had requested the CCA, not a full SAR. They apologised and sent a copy of the Loan Agreement and the Legal Charge which I have just received. I have finally found the original documents from Welcome Finance including the loan agreement, T's and C's, Legal Charge, Payment Breakdown showing NO Insur
  4. I'll prepare myself for an extremely stressful bumpy ride. SAR has been sent so it's a waiting game now. I'm intrigued to see what they send me. The next stop for me tonight is the loft to search for old paperwork
  5. Thanks again cruzhughes. Much appreciated. I sent the letters today to Prime and Welcome. I spoke to FSCS who checked the information they had on clients who had been mis sold by Welcome. I wasn't on their list either. They gave me a customer relations number for Welcome and told me to call Welcome to ask about any PPI insurance and any other insurance policies relating to my loan. Welcome checked and said there are no insurances what so ever on my account, only the usual fees which apply to everyone who takes out a loan. Looks unlikely that we have any PPI, I'
  6. Ah that makes sense. I thought i was losing my mind I'll PM the info to you now. Many thanks
  7. The Title No starts with GM and ends with 76. The Copy of the title is filed under a reference no beginning with WA and ends in 36 The loan is in both mine and my husbands names.
  8. Date on a Welcome Statement says - Date of First Movement 14 - Nov - 07 The date on the LR Deed says - (19.11.2007) Charge dated 13 November 2007 in favour of Welcome Financial Services Limited. The Charge has been varied by a Deed of Variation dated 17 September 2016 made between (1) Welcome Financial Services Limited and (2) Alpha Credit Solutions (28.11.2016) The Deed of Variation dated 17 September 2016 made between (1) Welcome Financial Services Limited and (2) Alpha Credit Solutions varies the charge dated 13 November 2007 in favour of Welcome Financial Services Limited re
  9. I've responded to your PM but i'm not certain they're sending. Let me know if you recieve it
  10. I'm probably asking a silly question but is it Section 77 of the CCA that I'm referring to?
  11. Hi, yes, this was the only dealings we had with Welcome. That's Great, thanks, i'll make a start on your thread.
  12. cruzhughes many thanks for this. I'll get on to this now and gather the documents. Kind Regard I haven't claimed any PPI as yet. To be honest i've been extremely stupid and naive. The loan has been ignored for the last 10 years and i've only taken any notice of it now that we are selling the house. I'll take all of your advice on board and start with the SAR to Welcome. Will this give me an indication of any PPI and other charges/fees associated with the loan? I've been through a mountain of paperwork trying to find the original documents from Welcom
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