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Help with old Welcome loan from 2003


starflower81
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Hi there,

 

I am trying to get a mortgage and 6 years ago I got into financial hardship after losing my job. I took out a Welcome finance loan in 2003 for £2200 which I had problems paying back.

 

So 6 years later I see the entry on my file and have sent them a SAR as I wasn't 100% sure if the £2800 on my file was correct.

 

Anyway I got the SAR back and it does all seem to be right. They even sent me the CCA which I had signed.

 

My main issue is that they have given me a default in 2005 so this was over 2 years after I had made a payment.

 

In July this year the debt will be statued barred so I know they can't chase me for the money now but I am still stuck with the default for another two years.

 

I am wondering if I offered them a payment if they would mark the default as satisfied? If I did this I am not sure if it would help me get a mortgage anyway as the deafault would still be on my file?

 

Is there anyway I can argue that the default should not of been given two years later?

 

Any help would be greatfully received.

 

Starflower

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Hi there,

 

Thanks for your reply.

 

I actually sent the SAR to the DCA as the default was registered with them. They originally told me the default was for an old BT account which wasn't true hence me sending them the SAR.

 

Should I send a SAR to Welcome finance? If they can't show me the default can I argue this shouldn't be valid?

 

Thanks

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if the DCA issued the default, then the SAR pack should have included a copy of the letter the dca sent out to you.

 

if it didn't then time to request the marker is removed.

sounds like they have little idea about what they are doing.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks DX,

 

There is no default notice in the pack they sent to me.

 

Should I write back to them saying as they have not sent me the original default notice I would like it removed?

 

Would I have to take them to court to do this?

 

thanks

Starflower

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then i'm pretty sure you can ask for the marker to be removed

and no it won't have to go to court,

 

i'd just write them and say as you have not provided a copy of the default notice, and you said at first it was for bt. it is obviously a mistake on your behalf. please remove the marker within 14 days else i'll contact oft or whoever.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi there,

 

The DCA is Hillesden Securities. I will write to them and see what they say.

 

Their letter in the SAR does say I need to contact Welcome for further details but the default doesn't show Welcome Finance so surely the default is listed by whoever issued it?

 

Starflower

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quite right

i really HATE dca's that do that.

 

if no valid cca turns up, then get the dca to ermove the default ...simples.

we hope.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx,

 

The CCA was in the SAR Hileseden sent back but no copy of the default notice.

 

Is it worth going back to Hilesden about their not being a copy of the deafult notice or should I contact Welcome directly?

 

thanks

Starflower

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