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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

steve806

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Everything posted by steve806

  1. steve806
    this morning I received the AOE form from the court. Welcome however have not yet complied with my DSAR request. At this point it seems logical to call Mortimer's on Monday and make a payment offer. Would this be the route to go? Also, if they agree to a payment plan do I still need to complete the AOE reply? Does the DSAR still have value at the this point?
  2. steve806
    they enclosed information sheet reply form financial statement
  3. steve806
    After sending Welcome SAR request and included photocopy of my council tax bill as proof of identity and details of my address at the time I took out the agreement and the agreement number, today I received a letter from Welcome returning my Postal Order and advising that they could not verify my identity from the information provided. They have requested I send copy of my passport and provide an original copy of a marriage certificate, deed poll or decree absolute as evidence of my change of name. I have not changed name?
  4. steve806
    Received a Letter of Claim today. Opening paragraph states: As you are aware we act for Lowell Portfolio 1 Ltd and we write to inform you of its intention to issue proceedings against you in the county court for failing to pay an outstanding sum owed to it. The second paragraph begins - This letter is being sent to you in accordance with the Practice Direction on Pre-Action Conduct and Protocols etc etc. The paragraph ends with - Ignoring this letter may lead to our client commencing proceedings against you and may increase your liability for costs. Letter proceeds to detail particulars of debt advising when debt was assigned and providing a statement from that date to now. letter finishes by saying - Please note that if we do not receive payment or other response from you within 30 days, we are instructed to issue a claim without further reference to you together with interest and costs estimated below. Do I continue to ignore?
  5. steve806
    I am sending to: Data Protection Compliance Manager Welcome Financial Services KINGSTON HOUSE CENTRE 27 BUSINESS PARK WOODHEAD ROAD BIRSTALL BATLEY WF17 9TD
  6. steve806
    should i use the generic SAR or the specific one from the Welcome Finance forum?
  7. steve806
    got i now, sign if original creditor thanks
  8. steve806
    In the guidelines for SAR it states to sign the request at beginning of post and not to sign at end of post. Which is correct?
  9. steve806
    Anyone know the right address for Welcome Finance to send the SAR to?
  10. steve806
    sorry if i am being thick, so wait for SAR but if in meantime they make application then call them and offer £50 and if they refuse advise them I will being submitting my own N245 to reduce. Is that correct?
  11. steve806
    This was/is my only welcome loan. Apologies if my posts are all over the place. I am mainly concerned about how quickly they might obtain an attachment and whether that is likely to be before I receive the SAR.
  12. steve806
    yes that one, sorry for creating confusion
  13. steve806
    I am happy to enter into an arrangement to repay the debt, it is the ccj on my record I am more concerned about. This thread relates to my thread regarding an AEO letter for a Welcome loan. I would wish to avoid an attachment to earnings as this will have a serious impact on my job. The ccj stated a monthly repayment of £50. Would it be a good tactic to write back to Mortimer Clarke, enclosing a PO for £50, saying that I have not been able to make payments as i was unaware of the ccj but now that I am aware I am happy to comply with the judgement. Please find enclosed a PO to cover the first installment of £50 as ordered by the court. Please provide your bank details so that I may set up a monthly payment of £50.
  14. steve806
    nothing yet. I have requested SAR from original creditor to see if that turns up anything. I think the original creditor (Welcome) was advised of change of address so maybe SAR may show this. Only other thing is that court claim has wrong date for original loan agreement. It states agreement on or around 28/11/2006 but agreement was actually 10 months earlier. No idea if this has any value.
  15. steve806
    Hi All It has been suggested to me that I should make an application to set aside a judgement on the grounds that: 1. The court claim was sent to an old address when it would not be difficult for the claimant to identify my current address as I have always been on the electoral role and held bank accounts showing on my credit file - they have managed to find my address easily enough after receiving the CCJ 2. As the claim was at an old address I will also have not received the assignment of claim from Cabot. 3. Cabot Financial (UK) Ltd are unlicensed. Any thoughts as to whether this approach is worth my time and money?
  16. steve806
    Well incredibly I have received a parcel from Lowell this morning. It contains: 1. A letter from Vanquis quoting the Electronics Communication Act 2000 stating that I have entered into an agreement online and that my signature is therefore not required. 2. Pages of Digital Signature Application Details 3. Pages of transactions on the account. 4. A letter from Lowells stating I have 14 days to contact them and agree a payment or arrangement or 'we may apply to enter a CCJ'. The last payment made to Vanquis was on 26/8/2011. Is the debt statute barred? What if anything should I do at this time?
  17. steve806
    Has anyone seen one of these letters from Mortimer Clarke before and do they usually follow through with the threat?
  18. steve806
    Letter attached as requested. Feedback welcomed. AOE Letter.pdf
  19. steve806
    Does anyone have any prior knowledge as to whether they are likely to be bluffing or not?
  20. steve806
    Thanks for the advice so far. i would wish to avoid an attachment to earnings. Once I receive the N56 is it too late to agree are payment structure with Cabot if making an arrangement to pay proves my only path? if I have to agree a payment figure can i just use the one ordered by the court or will I have to go through an income and expenditure exercise? can I use errors in the court claim to my advantage? if required is it possible to avoid paying the extra costs and interest that have been added?
  21. steve806
    Had a letter from Mortimer Clarke... dont reply 7 days, request AOE etc. No N56 Can anyone give some advice on what I should do to fight this? many thanks Steve
  22. steve806
    standard welcome loan
  23. steve806
    Further research reveals that I was making payments as part of a CCCS plan. I stopped paying this plan in February 2011 (made redundant, marriage collapse - life pretty much fell apart). Strange thing is first payment to plan was in July 2006 which is 4 months before the court claim states I took out the agreement with Welcome. Any advice on what to do?
  24. steve806
    not car loan, cash
  25. steve806
    Last payment was February or March 2011. Charges on debt are: £207 in costs and approx £600 interest. Interestingly, claim has 2 tables showing costs. One states Total Costs £207 and the other states costs £105 court fee and £80 solicitor fee. If the breakdown of costs is intended to equal total cost it is £27 short. Fees and interest represent 35% of total judgement

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