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    • well done.  you know the routine. hold on filing till say 20th ish? get it in before xmas/new year closedown / postage issues. you'll see the sticky upon how to respond to an SPC and you'll need to make ref to the previous failed CCA request. that wont go down well with the sheriff, AYR guys know nolans very well and their tricks. had previous dealing with 2 of the sheriffs there won both.  ps have a look in financial legal issues and you'll see numerous barclaycard claimform threads. BC never give out the cca even for 2015 online signup, 9/10 its fake stuff and claimants try to rely upon recon rules.
    • Thanks, that gives me a bit of comfort.  All onboard at my end: filed, signed and dated - and accepted by the court. They also confirmed they would send the defence to Nolans.  I also posted my defence. Positive I've proof of posting, but will have to do a bit of digging to find it. Clerk reviewing and will get back to me with what to do. Assuming this can be recalled, they've bought themselves more time to uncover the paperwork which they've yet to provide
    • they've pulled this trick several times before. as long as your filed defence has the intimation sheet signed as the last page and a date you'll be ok, sounds like a court mistake here to me speak to the clerk , i cant remember on ordinary cause claims but i think a repone is quite expensive, you shouldn't have to be doing this nor paying for one. how did you serve your defence on nolans just for the record and did you get free proof of posting. dx
    • Ok.   Will the court give me the chance to prove she sent fake details to prevent service?  should I contest it immediately so they do not even overturn it or wait for court contact?  what is the point of making orders of someone can suddenly realise they are in trouble after an order with no engagement prior and have it stopped?  should I contest niw or wait ?  regards  lesley 
    • I've received notification that the forthcoming options hearing has been cancelled and that a decree by default has been awarded due to not responding to the recent claim that they hadn't received my defences.  I've spoke the court today to work out what is happening and how we correct this! I'll update once I hear. Any thoughts?     .  
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      • 2 replies

welcome finance, lost my credit card payement help!!

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i need advice please!! x x

took a loan out with welcome finance in 2008 missed a couple of payements due to illness an no sick pay etc etc


they sent me a letter on nov 19th 2009 sayin if i paid off 65% of the debt in full within 14 days the loan would be settled, which i did this on dec 2nd the amount was £1053.79 on capital 1 credit card, this was a huge relief as the interest was ridiculous, 10 days ago i recieved a letter sayin i owed £1619.00, i called them straight away at 1 of the offices and they had no recollection of the payement so i called the other office an they could see the payement after numerous phone calls to them they said that they had returned the payement back to the credit card o dec 22nd!!!! which they haven't, i'm payin the credit card off, called my credit card company an no payement has been returned, tol this to welcome and they want my credit card details again which i haven't given them, wot do i do now can anyone give me some advice?

they are giving no explanation why they returned the payement an no explanation to my missing 1053.79 really stressed about it should a see CAB asap


thankyou for listening, becka

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Becka, if you have your credit card statement that shows the payment was made and not returned then if you provide them with a copy of this that should suffice. They have hundreds of suspense accounts and if they are unsure where to send payments to they usually put them in these black holes but they aren't very good at finding these payments!

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thank you!! just phoned them now and faxed the credit card statement over to them but marked out my account number, managed to speak to someone who was quite helpful it's only taken 25 phonecalls!! they said it may take 48 hours for someone to be back in touch with me but at least its a start, thankyou again, becka.


if they do find it, with it been there error will they still have to honour the agreement they sent me in nov to pay the 65% off and the loan has finished? i have also kept this letter.

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Glad to hear that they should get this sorted, it is their error so absolutely they have to stick to the agreement, you fulfilled your part after all!


Its rare when Welcome make an offer in writing and as you met their timescales they will have to stick with that arrangement - I would check your credit file in about a months time to check your account is shown as settled and ask for a letter confirming the account has been closed too - they have been known to "Forget" to close an account down and this then keeps accruing interest etc.


Good shout on the creditcard details too, forgot to mention that.:-)

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