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    • Hello, Following the submission of my defense, last night I received an email from DCBL indicating that the claimant intends to proceed with the claim (I've attached a screenshot of the email for reference) along with the N180 directions questionnaire. I'm unsure how they obtained my email, but I suspect it was through the courts' form when I completed the Acknowledgment of Service. This email almost slipped my attention. I have also today received a letter from court to state they have received my defense.  It appears they are requesting an online telephone hearing with the court. Could you please advise me on the necessary steps I should take at this point? Thank you for your assistance. Letter-Email 25-04-24.pdf N180 - Directions questionnaire (Small Claims Track).pdf
    • Default Amount £9237.88, all this started in 2006 Admitted debt £9075.65 Weightmans added £1515.01 immediately they became involved, no explanation The Statement shows when Marlin bought debt in May 2011 £10439.25 Their statements, not received until the SAR, are based on this. Cabot deducted £1515.01on their statements in January 2019, again did not find this out until SAR. Weightmans added in  2007 after the CH1 etc was confirmed by the court £741.50, made up of Process server fees, Court Fee (they tried for bankruptcy), Solicitors fee and Land Registry fee. Unspecfied Legal costs were added by Marlin in March 2015, again I did not know this until statements received with SAR I had been paying monthly, without exception until December 2018. I am minded to take the property charge, CH1 amount ,deduct all my payments and the subsequent fees, and request/demand a refund on the final payment made? I consistently disputed Weightmans balances, but they never responded. I also told Mortimer Clarke/Cabot that I disputed their amounts.  
    • Just follow this link and have read of some threads so your familiar with the process https://www.consumeractiongroup.co.uk/topic/347310-legal-n180-directions-questionnaire-small-claims-track/#comment-5178739
    • Sorry,  I'm not familiar with terminology.  Direction questionnaire is what I've seen online as next step. Witness statement: I haven't gone that far, that's why I put the question marks.
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Welcome Finance Loan from 2002!


mandaz
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Hi Guys,

 

My partner received a letter from clarity credit management a few weeks ago stating that she owed them over £3000. She rang them and was told it was for a welcome finance loan she had from 2002. She did unfortunately get herself in a right mess with money but has spent the last few years trying to sort it all out and paying everything off bit by bit. She did not even remember about this loan untill she received the letter.

 

After looking through this site i decided to send a CCA request which they received on the 29th October.

 

They have sent a copy of the loan agreement which arrived on the 4th December.

 

Please could someone advise me on what to look for in the agreement to see if there is any way of challenging it?

 

Many thanks in advance.

 

Mandaz

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best bet is to scan it in deleteing all personal info inc account numbers (never know whos reading) and let someone look it over for you. use photobucket and the code to post it here sorry i cant be of more help

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Just a thought, this loan was with welcome but it is the debt company Clarity chasing my partner for it. Should i send the SAR to welcome or to clarity? Any help much appreciated.

Cheers

Mandaz

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the whole agreement looks a bit dodgy in my opinion, 3% monthly interest equates to 45.5% APR? i dont think so.

 

also, estimated repayment period 30? why estimated? also it does not show the interest amount.

 

Also the Agreement is headed up with "Monthly Paid" but your partner was paying weekly.

 

you may also be able to claim back the insurances too.

 

Im no expert, so wait for someone with a lot more knowledge than me.

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Just looking at this agreement again and noticed the following.

 

It says the total amount of loan is £3301.39 and apr is 45.5%

 

Less the acceptance fee is £3226.39 at 45.5%

 

Over 30 payments that should make the monthly instalements £168.34 not the £168.43 as shown on the agreement.

 

Is that error enough to challenge the agreement?

 

Any help welcome!!!!:confused:

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hi mandaz

 

no wories on the apr

 

its with in limits, has to be a difference of 1 %

 

you yourself have stated the reasons why this agreement is rollocks

 

who is chasing you

 

clarity or dlc

 

thats direct legal and collections aka hillesden securities

 

clarity deal with payday loans

 

clarity and welcome dont add up

 

when was the last payment made on this account

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Hi Post,

 

I was hoping you would pick this up, you seem to be the welcome god lol!

 

Yes it is definately clarity that is chasing it but the statement printed on 20/11/09 has come from dlc!

 

I just dont have a clue where to go from here lol

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Hi Post,

 

the statement says that the last payment was made on 26/4/2004. As i said my partner didnt even realise there was still a loan outstanding as the letter from clarity she received a few weeks ago was the first she had heard from anyone. She was having lots of personal problems at the time and had to move away for a while but all the other dca's caught up with her ages ago and she has been struggling like mad to pay them all. She is just starting to get back on her feet then this pops up!

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the notice of assignment is a letter from welcome to you saying that whatever dca will be collecting from now on as they have purchessed the account

 

dlc, or clarity should have sent you a welcome letter

 

if you received no notice of assignment and the debt has been sold,:grin::grin:

 

to comply with the law of property act, the assignment needs to be sent by recorded or special delievery

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Hi Post,

 

She has never received a notice of assignment. The first correspondance since 2004 was a letter from clarity saying that she owes £3415.95 to their client hillesden securities ltd and that they are prepared to offer a one off payment of £2220.37 in settlement.

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