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    • Correct but wont stop them chasing you though even if no payment for  6 years (statute Barred) Some DCA s buy debts (the debt is assigned to them) and some do issue court claims ...just so you are aware.   Andy
    • Thats because this claim has not been allocated as yet hence the above hearing *Case Management " to determine the directions (N157 Notice of allocation) which will follow after this hearing. You are not requested to submit a statement but have all the details with you (claim form defence CPR CCA etc etc)   Andy
    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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tara2099
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Hi I am looking for some advice please.

I took my car finance or should I say my dad took car finance out for me with welcome finance back in 2005. The car was then mine and was registered in my name. Monthly payment was first set at £170 a month which I continued to pay for the first few months but found it very difficult. My dad and I went back to welcome who agreed to lower the payments to £80 a month which I paid for 3 years. The cost of the car was £3500 and the finance totalled £9000 to pay back! I asked in 2008 for a settlement figure and received a letter back saying amount still owed was £8000! As you can imagine this was abit of a shock as id been paying for 3 years at £80 and a couple of months at £170. I however started to default on payments due to losing my job and being unable to afford it and was told by them they were not willing to lower the payment again as they had done this once be4 3 years ago.

I also noticed on a break down of costs they sent me that i had been charge £10 per letter sent and also £50 per house visit of which there were 3 listed! I question this as noone had called at my home at all. I asked for the address these home visits had been made to and was given and address I hadnt lived at for 3 years. I asked them why this was and was told this is the only address they have listed for me my reply to that was how were they sending letters to my present address in that case! They could not answer this!

Anyway they have recently taken the car back and I was told I would be liable for anything monies outstanding after the sale of the car. Its been 4 months now and ive heard nothing. I might add it also took them a year to actually come and fetch the car!! Total joke this company!

Can you just advice me on what I should do if Welcome do come back to me demanding out standing balance?

Hope you can help. Thanks

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