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nicurro

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Hi , last year i was issued a CCJ to repay Welcome finance for an outstanding loan.

Before it went to court i asked for a copy of the credit agreement to be sent to me. This was done and all looked fine.

I have just found my original copy of the agreement and notice that the copy that was sent to me had noticable differences in the signatures & written dates on the document but the typed figures were correct.

Even the tick in the PPI box was different.

This can only have been done by forgeing the written parts..

 

Would this suggest that they have not got the original agreement and can i take any action against them .

 

 

I am already considering a claim for mis sold PPI on the loan and maybe a claim for the charges that had been added to the loan when it went into default.

 

Any advice welcomed

 

rgds

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I didn't think they were allowed to do "Blue Peter" CCA's.

 

Does anyone know how to prove if a document is the original?

 

Do you know if the CCA that they provided has all the prescribed terms?

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The OP has the proof of forgery in his hand...sadly it may be too late to get this set aside..others will give opinions.

 

However, aside from the CCJ, this is obviously fraud, and if you have both of the documents you can prove it...i suggest you go to the police with it!


Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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creditcard, why would it not be poss to get a set aside if nicurro has a forgery in hand.

 

Manc1


MANC 1

 

 

PL.jpg

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Only because i dont know the time limits for the set-aside process, or when the judgement was, however, if the police take it on, then i would have thought it gives a lot more weight to it, and it will stuff welcome to boot:D


Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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So , should i send a CCA / SAR request to Welcome to see which documents i recieve as a starting point????

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Youve already done the CCA, so do the SAR, to get as much out of them as possible.

 

I think you have to do the set-aside on form N244, you can download it from HMCS website, once you get it set aside, it goes back to square one, then you can defend with everything you have


Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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Hi , i have a CCJ with Welcome which is currently being paid by my employer . If after a SAR they were unable to produce the original agreement what would i need to do to stop paying this ,

Would it also be posible to reclaim any monies paid to them.

 

Any advice please.

 

Nicurro

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You would have to apply to the court to have the original decision set asside, and have a new hearing. In theory it is possible to reclaim monies paid in error. I wouldn't recommend stopping paying any monies you have agreed with the court until you get a positive result at hearing.

 

cds:)

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Hi , i have today been looking at the credit agreement i have with Welcome finance , there is a box that says " Witnesses signature" , this box is empty so does this have an effect on the agreement?

They have been given a charging order for this debt which i wish to try to fight back and have it removed so any help will be appreciated.

 

Thanks

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Hi , i have today been looking at the credit agreement i have with Welcome finance , there is a box that says " Witnesses signaturelink3.gif" , this box is empty so does this have an effect on the agreement?

They have been given a charging order for this debt which i wish to try to fight back and have it removed so any help will be appreciated.

 

Thanks

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Hi all , Welscum managed to get a charging order on my property a few years ago , today i received a letter from a DCA trying to collect the oustanding balance .

Why has this happened ?

I thought the charging order was all the was necessary and no further DCA would contact me.

Also , can the balance on a charging order be increased after it has been granted and how can i contest this now ?

I am in severe financial difficulty so any help appreciated.

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have you your own thead with past history?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

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The CAG Interest Tutorial Read Here

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Hi all , Welscum managed to get a charging order on my property a few years ago , today i received a letter from a DCAlink3.gif trying to collect the oustanding balance .

Why has this happened ?

I thought the charging order was all the was necessary and no further DCA would contact me.

Also , can the balance on a charging order be increased after it has been granted and how can i contest this now ?

I am in severe financial difficulty so any help appreciated.

 

Nicurro

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HI , i have just received a full statement from Welcome on the activity on the account.

I notice lots of Ad-Hoc charges and wondered if these should be reclaimed and if anyone else has been successful in claiming these back.

What are Ad-Hoc charges ?

Are they for letters , telephone calls etc?

 

Thanks

 

Nicurro

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Hi , Welcome PPI is now being dealt with by the Contact as below.

 

As you may know, Welcome Financial Services Limited (WFSL) was declared "in default" by the Financial Services Compensation Scheme (FSCS) on 2 March 2011. On behalf of the FSCS, WFSL is making arrangements to contact claimants who were sold Payment Protection Insurance (PPI) by WFSL on or after 14 January 2005.

claimanthelp@cattles.co.uk or contact our customer services team on 0845 373 0386

 

The FSO directs people to this also.

 

Nicurro

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Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Hi , Welcome finance have a CCJ on me from an unsecured loan , recently i managed to claim back the PPI that had been added to the loan , would it be possible to ask for this to be set aside as the ammount they claimed for was incorrect due to the PPI that was in the court claim ?

 

Cheers

 

Nic

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Hi Nic

 

How did you claim your PPI litigated or informal?

 

 

Regards

 

Andy


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HI , i claimed it back from Welcome directly with no court action ....

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A DJ could state well now you have been credited the PPI amount did you use it to reduce the judgment amount?

I personally IMHO dont see grounds to set a side.

 

Regards

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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