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Have had two loans with WFS - one pre 2005, one post 2005. The latter PPI claim was settled as an offset of a claim against me. I agreed not to make claim against WFS. The DJ said he couldn't include the pre-2005 PPI but said I needed to make a separate claim. I did so in April, but received a letter back today saying there is no money left and WFS is going into liquidation soon and they have been advised not to pay claims. I would need to claim against any liquidator when appointed but I am likely to only receive a few pence in the pound. My question is - would it be advisable to take out a county court claim directly against WFS. We are talking about £3000. Are they likely to pay it ? Also. can a claim be made against the insurance provider rather than WFS ? Thanks.
When hubby and I met almost 10 years ago I knew he came with a little baggage which was in the shape of some outstanding debt he had relating to a property he'd had repossessed. This included a £7k shortfall following the sale and an outstanding secured (against the house) loan with WFS (from memory he seems to think it was around £8k) We've had a few letters on and off over the time then a couple of CCJs during what was a very difficult time. I know an attachment of earning order was set up and he was paying direct from his wages for about a year during 2012/2013 maybe (I can't remember exactly) then he changed job and we failed to notify and have never heard anything since. We are currently working with StepChange to get things resolved and upon checking the credit report TWO CCJs appear - one for £46k issued March 2009 and one for £35k issued February 2009 both for WFS. I've initially requested copies of the CCJs but don't have any clue what to do from here. Thank you in advance
I just recieved the documents back from Welcome Financial after the SAR Request. Within all its contents, there no no mention of them sending me a default notice, no copies of the default notice nor have they mentioned the postal of such notice in the Account Collection Notes that they have provided. It does mention that a Default sum notice was ISSUED on 02/01/2009 and the default was placed on my credit file on 11/05/2009, but I do not recall recieving any default notices. What suprises me is with the SAR documents they have sent a Default notice dating 23/11/2010 with no signature and with my address wrong on it. A letter is also enclosed stating the issue of the default notice also dated 23/11/2010, no signature and wrong or part address. This has really confused me, why are they sending me default notices dating couple weeks back with no signature and wrong address with the SAR?? If they have sent me a default notice BEFORE they placed it on my credit file, why did they not provide it with the SAR?? If the default was placed on my file in 2009, why are they sending one dating 2010? PLEASE SEE THE ATTACHED LETTERS BELOW: Default Letter.pdf Default Notice.pdf