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  1. Hi there. I disputed a credit card account by LloydsTSB back in May 2009. At the time I was receiving numerous phone calls to multiple households regarding this. Firstly I requested paperwork to be able to arrange a payment plan based on my incoming and outgoings. this form never arrived. I requested a proof of postage as i did not believe this form had been sent out. i never received this either. My closing statement was this: "Therefore I am requesting that you send me a verification and validation of the debt, I understand that you are req
  2. Hi, I am being taken to court by IND/Welcome they issued a Claimform I have replied stating that as far as I was concerned the loan was repaid! Here is my defence, and I'd like your opinion; * In 2010 I recieved a cheque from welcome for about £3,000 for mis-selling of PPI, if the loan still had an outstanding amount, why did they not use this toward the repayment of the loan, as my other Credit cards had? * At the time, and months afterwards my credit file showed all the loans I had with welcome were "Settled". * I recieved sometime afterwards (ab
  3. Dear all can someone please help with a problem i am having with IND. just recently oct 17 i had a CCJ drop off my credit report ( the CCJ was sent to 643a instead of 643 and as a result i never received the CCJ, fast forward 6 years i have had no communication or contact from ind etc, last month when they searched my credit report, i rang them to ask why they were searching my report, they asked me for my DOB and i told them they said they could not discuss anything with me as my date of birth did not match their record, a week later i received a letter and a s
  4. Reading the advice about non-priority debts and what you should offer those creditors... it says, You cannot split your surplus, between credit cards, and then pay a loan.. (basically).. however, what do you do in the case of a joint loan?
  5. hi all I am new to here I have a dilemma about 8 0r 9 yr ago I had a loan with welcome and as I moved around and had problems I just forgot about it, in 2012 I was given a CCJ and is now on my file from IND LTD I refuse to pay as the length of time and welcome went bust out of principle I was young stupid and hassled into taking a loan I was only enquiring about. just before the 6 yr was up and debt would be wiped ind got a ccj crafty but they have now issued me with another ccj for same debt and I am due to go court on 16th march. any advice
  6. Hi all, and first off thanks for your time in hopefully helping me out with a Welcome Finance matter. My partner had a loan with Welcome Finance which he took out in February 2006 for about £2500 he got into financial difficulties a couple of months after taking it out and only ended up paying a couple of payments, he never heard anything back from Welcome until last November (2012) when he received a letter from Mackenzie Hall Group, i knew that the debt was statute barred and so sent off the letter to them and never heard anything for months, he then received a letter last mont
  7. Hi all Just need a clarification around the statutory time limit for responding to a S77/78 CCA Request. Halifax have been chasing for a couple of years on an alleged credit card debt. In the last 2 years this has bounced backwards and forwards between them and Blair Oliver and Scott and is now with our old friends Moorcroft. Moorcroft have sent a fair few of their automated threatograms, from their "Pre-Court Division" and now from their "Home Collections Division". I have responded to that with a "you do not have my permission to send anybody round" plus a S78 CCA
  8. Went to see an IFA today.. and recieved some information which, i think , conflicts with what i've read on here.. (might be me making the mistake). He has said, that debts owed, are not wiped from your credit file, until 6 years, after satisfaction.. ie: they stay there.. and if you want a mortgage or something, they would still be considered, even after the 6 years. My CC;s are on 4 years. and i will need to change my mortage in the short.mid term.
  9. Hi everyone, I'm not sure if there is anything I can do but I've been directed to this site just incase.. I had an old lloyds tsb credit card that defaulted in 2008 and was sent over to Ind Ltd, they did nothing for 3 years then decided to send me a ccj form from Northampton county court. I made an offer of payment which was accepted, I didn't end up paying and fast forward to 2015 I was taken to actual court and another amount was set to pay (which I have been) I rang them today to get a balance and just as an enquiry I asked for a breakdown of all the added charges as I thoug
  10. A few days ago I was in court with IND they were asking for a claim that was struck out in sept 2013 to be re-instated. 1 week before the hearing IND sent me a letter containing a witness statement from themselves to be read out in court, as they said they would not be attending the hearing. I decided that I should on this occasion attend. I didnt in sept 2013. When I arrived at court I was dismayed to find that a barrister was there to represent IND. I felt like going back home. When I walked into the Hearing room it was warm and didnt feel threatening. There
  11. Morning Guys/Girls. Thank you in advance for this help. Hope this is in the right section (sorry if not) Very long story short, when I was younger, burying my head was great and new cars had been top of my list! Fast forward ten years, that's not the case!! About 8 years ago, I took a car on finance through Welcome...(£6995) after 3 years, I got into trouble with work & the car got repossessed. At the time around 3900 had been paid. Fast forward to last year, I got called to court (8 months before it with have been statute barred) and I was given a CCJ for £12000. At t
  12. Hi all. Went bankrupt in 2008 and included a welcome loan in it as a debt. Last year received a CCJ from them claiming repayment, filed a defence saying it was included in the bankruptcy, now received a demand saying i need to provide proof or they will proceed with the claim. Do i need to provide proof, surely its not that hard to prove i was bankrupt They claim they cant locate any proof of the bankruptcy. if so HOW DO i prove it??? Rgds
  13. Good morning all, Firstly I am new to the site...so please be gentle. Many moons ago, I was stupid! I took out a loan with WFS and naturally, like all good people did not pay it due to a number of reasons. I acknowledge that I need to pay the dabt and am getting in control of my finances. However, just as I start to get comfortable, I received a Notice of Application for Attachment of Earnings Order in the post, which refers to a judgement that has now been obtained against me. I have spoken to the County Court and they have confirmed that a CCJ was registere
  14. Back last year my OH had a Old CCJ enforced by IND. He didn't bother trying to set it aside, because he said he owed it. I did insist he applied to have the repayments set at a reasonable amount and the court set it at £10.00 per month. 1st instalment to be paid by the 6th of each month starting July 2014. We actually panicked thought it said June and sent off a £10.00 postal order. Then paying by pay point each month as I wasnt willing to let them have a direct debit (too many horror stories about debt collectors helping themselves). We have made 6
  15. Dear Members, Decided to check my credit report today and found that on May 1st this year a CCJ for just under £10k was registered against me, details given are for an old address of mine. My intention is to contest this, apologies but the details are patchy as the matter relates to a very old account. Judgement 02 May 2013 Northampton CCBC Default recorded Dec 2008 (HBOS Credit Card) just under £7k - so they are claiming £3k of interest/costs No notice of assignment received from IND No paperwork received in relation to the CCJ as I do not live at the address on the cl
  16. Firstly what a fab forum really interesting I have read many questions and answers regarding welcome finance and ind ltd. Took out car loan in 2005 with welcome and defaulted end of 2007. I arranged for them to collect car which they never did,although they did do a report on it for damage wear and tear etc. Never spoke to them or heard anything more from them until this letter from ind ltd arrives 4 days ago. Welcome finance defaulted my credit file in 2010, 3 years after I actually defaulted. I believe this debt to be statue barred but unsure of specific date. I need to
  17. Hi all, new here and hoping for some advice with ref to an MBNA credit card. The card was taken out in 2006 according to my CreditExpert file. I think the account was transferred to Experto around 2009/2010, at least I have a letter from them dated Oct 2010. Around this time I was struggling hugely financially and I was receiving letters regarding various debts on an almost daily basis. I have letters from Experto Credite, Credit Management Consultants and Aktiv Kapital since then until the present time, various threats, discounts offered (which I hadnt been in a f
  18. Hi, I wonder if you could help me. I had previously been paying IND Ltd for a debt for 21 months, and in January 2013, I wrote to them requesting an up to date statement showing how much was outstanding - I had never received any statements from them in all the time I had been paying. I must have emailed and written to them on at least 5 occasions, but never received any response. During this time, I had also requested details of how the debt has been calculated, a copy of the signed agreement, that they said I had signed in February 2012. In February 2013, as I hadn't heard from
  19. Hello, Firstly thanks in advance for any help offered. This is in regards to a loan I originally took out for £2000 in 2007 my monthly payments were £177pm the term was 24 months including payment protection. Shortly after I took the loan I asked for the payment protection to be removed I was asked to send a letter confirming this request, I did and on calling in they confirmed this had been received and was being processed. Although I believe this was now not the case and it was never removed. I came in to a period of financial difficulty around 6 or so mon
  20. Hello everyone. Im hoping someone might be able to point me in the right direction as I am panicking and Losing sleep over the below. This is really affecting my work and my personal relationships and I really don't know what to do. To summerise, on the 4th July, I received a letter from IND (Dated 17th June) titled LAST LETTER BEFORE LEGAL PROCEEDINGS. This was the first letter I have ever received from them. The letter stated that I have an outstanding debt with Welcome Finance of £3845 and I have until the 1st July to respond before they refer this to court. It would appear that they
  21. Hi everyone, I've been reading a lot of these threads and your advice seems incredibly useful so I thought I'd ask for some help with my case as I have no idea what I'm doing! Six years ago I got a loan with Welcome Finance. I was studying and working part time but was struggling financially with rent and such things. The loan was for £2500 with £1352.40 of insurance premiums. I used the loan to pay six months of rent but could not afford the direct debit monthly payments of £193 from the very beginning, in fact I don't think I managed to make a payment ever. The sit
  22. Hey Guys, I hope I have posted this in the correct forum. I have been reading & reading trying to find answers before posting but I am completely overwhelmed with the amount of information. I recently received a county court claim from a company called IND Ltd for an alleged credit card with a bank I have never dealt with. This is the first time I have ever heard anything to do with this, I have never had a letter or phone call of anything from IND before and I am completely stressed about what to do next. I was away on holidays when the court paper arrived and onl
  23. Hi all, First post here, although a long time reader. Hopefully some of you will be able to offer some advice. I've received a Northampton CCBC Claim form. The claimant is listed as Welcome Financial Services Limited, and the solicitor is Hegarty LLP - always lots of threads about these people on here! I immediately filled the acknowledgement of service online indicating my intention to defend the full claim. As per advice on these forums I then immediately retaliated with a CPR 31.14 to the solicitor and an s.77 to Welcome Finance directly for good measure. My CPR 31.14 re
  24. In late September I received a two page letter from IND with "Last letter before legal proceedings" on page one and a statement on the second page. The letters refer to a debt with Barclays bank Plc t/a Sky Card. This morning (23/10/12) I received a claim form from Northampton court. Particulars of claim: The claimant is the asignee of a debt from Barclays Bank Plc t/a Sky Card. Notice of assignment was provided to the defendant by the claimant in writing. Despite demand for payment the assigned debt remains due. The claimant complied with Section III and IV and Annex B of the PD P
  25. Hello, A while ago I received a letter from IND dca, based in Stamford, claiming that they have acquired a Lloyds overdraft debt (over £5000, less than six years old). They enclosed a highly suspicious, badly constructed copy of an 'assignment' letter addressed to me, supposedly from Lloyds - although I've never seen such a letter in the past. It's from someone called Craig Ballantine at Lloyds "Late Stage Recoveries and Debt Sale". The letter basically says "We are Lloyds, but contact and send money to IND immediately". There are no contact details for this deparment on the letter,
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