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    • Yes, but the process starts here... https://ico.org.uk/make-a-complaint/data-protection-complaints/what-to-expect/ This involves making a complaint to GS first before approaching ICO. However, at the time of the complaint, I beleive we'd advise the complainant to ask for some compensation and take it from there. @FTMDave?? No, I meant this forum, The Consumer Action Group, where you're posting right now.😄 (We're in the slow process of rebranding as The National Consumer Service.)
    • And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
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welcome secured loan sold to coast


carnalpleasureuk
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Hi

No reason why you cant do both

 

SAR Welcome and CCA the solicitors then they should know that they have to wait . CCA request is a good method of getting breathing space.

 

Peter

Edited by Dodgeball

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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  • 7 years later...

Hi guys.

I originally posted about our Welcome issues back in 2011

. Sadly very soon after, my mum was diagnosed with terminal cancer and what with that and several other personal problems i didnt actually take the advice offered any further and other than, as with many other people that have posted about them we have just been receiving the 6 monthly arrears notice with no other contact.

 

Now we have been informed that Coast finance have bought our account and the original worries have raised their ugly heads again.

 

I have read a few other posts with people in similar situations and am hoping one of the Welcome finance experts would be able to offer some advice as to what we should do now.

 

The original secured loan was for approx £19-20000 and we have been informed that we owe £27000. We got only ever paid a few months as we went bankrupt several months after taking the loan out and have never really got back in nto a position to be able to start repaying again following health issues for both my wife and myself.

 

I am expecting the letters and threats to begin arriving again soon and would really appreciate some advice on how to handle this new version of our situation?

 

Many thanks in advance

 

Any help would be much appreciated?

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Merged with your old existing thread

 

Is the charge still showing against the property on land registry site?

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

 

I am sure you have read all about my situation so will not bore you.

 

However just to say I have found the kind folk on this forum very helpful and they have knowledge that can assist us.

 

The advise to me was send CCA, send SAR and evaluate refunds on any PPI / Unfair Charges.

 

Also look to see if the famous MIF charge is on your account.

 

The one thing that strikes me about all cases surfacing concerning Coast Financial Solutions is they have brought a job lot of very promatic accounts. I think they probably purshased then for pennies.

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As with a batch they sold to prime see the cruz thread

Its the only way they can get any return on them

 

Foriegners that no know better

No uk company will touch them

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

 

I am sure your observation dx100uk is correct so maybe we can use it to our advantage.

 

However it would be intersting to know what Coast paid for those accounts but I understand we will never know.

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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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https://eservices.landregistry.gov.uk/eservices/FindAProperty/view/QuickEnquiryInit.do

 

Go on here will cost you £3 make sure you save it

 

If you need further info you may have to fill in this and pay another £7 https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/713417/OC2__2018-05-25_.pdf

 

 

Wait and see what’s on the deeds first

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Do i need that info right now though?I have done the £3 one just to check it was still on there.

 

Im expecting the letters etc to start soon as Coast take over in a couple of days and would like to know the best way to proceed once they do because as i stated above we can't afford to pay them.

 

I don't mind doing it if i need it now but i still would like advice on how to deal with them?

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Wait till they write

Then scan it up

Dont ever ack you know there is a Charge

The court shiuld write and inform you of a change of ownership application

 

Poss 1st reply will be a CCA request

 

Is this a joint debt on a jointly owned property or just a loan in one of your individual names

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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Share on other sites

you both signed the agreement?

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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Share on other sites

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