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    • threads merged  please keep to one thread per issue.   dx  
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danielb

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Hi Guys

 

I'm just wondering what you think of my situation,

 

I owe welcome finance £6700, i only borrowed bloody 2K anyway

 

Ive not paid them anything in the last 3.5 years, i keep getting final demands, i don t know how they can be final demands every month for last 3.5yrs lol

 

I received a letter from the Lewis Group dated 20.03.09 staing that if i didnt pay in full within seven days then they would issue court proceedings immediatly, i ended up ignoring it, heard nothing unitil another letter dated 28.05.09 from Howard Cohen Solicitors with notice of pending legal action, they stating that there client has asked them to prepare Court papers for issue against me.

 

ignored it again, heard nothing unitil i got another letter dated 11.6.09, this time from Lewis debt again, asking me to ring a number beacuse they want to offer me a reduction to the amount i owe.

 

I went to the cab a few years ago regarding my debts and they requested a copy of my loan aggreement from Welcome, the cab told me that they had received the loan agreement but couldnt read it, they told me that if it went to court the judge might throw it out due to the agreement not being readable.

 

Do you think they will ever take me too court beacuase its been about 3.5 years now and i just get the same old letters avery month or 2.

 

Regards

 

Dan

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You should send Lewis Debt a CCA request to see if this is in fact enforceable http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter send it recorded delivery enclosing a £1 postal order, print your name do not sign it.

 

When you get it back, scan it remove personal details and post it up here and we'll advise from there.


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Hi Dan,

They might try, or threaten. If it was me, I'd send off my own CCA request so that you're in control.

The link is in my signature. Don't sign it the letter, use a £1 PO and send recorded to whoever is pestering you for payment now.

They have 12 + 2 days to respond, after which you can withhold payment and put the account into dispute if they fail to supply the agreement and a statement of account.

Hope this helps,

Elsa x


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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LOL snap again Cerberusalert.Good job, cos my signature didn't come up! :)


PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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You should send Lewis Debt a CCA request to see if this is in fact enforceable http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter send it recorded delivery enclosing a £1 postal order, print your name do not sign it.

 

When you get it back, scan it remove personal details and post it up here and we'll advise from there.

 

and stay quiet- do not phone or acknowledge their communications- keep the clock ticking

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