Welcome Car Finance & Lewis Group

[theoldrouge]

was their first letter a notice of assignment? or just a dca chasing letter

[dx100uk]

that's a discount letter

 

dx

[yenot6691]

was their first letter a notice of assignment? or just a dca chasing letter

 

I've moved 5 times since 2009 I had my post diverted I've dug out a.letter from makenzie hall in Feb 2014 saying they taken over the debt from cattles they must have sold on to experto credite

[dx100uk]

I suspect this is long off your credit file?

 

have you checked?

[yenot6691]

I suspect this is long off your credit file?

 

have you checked?

 

I check my credit file monthly and I've never had anything from welcome or any debt related to welcome on my credit file.

[dx100uk]

as the statements have obv been 'scrubbed up'

I think the fee for reversal 22/2/8 is their default notice fee

which for them was always £50.

 

so its dropped off years ago from your cra file

[yenot6691]

as the statements have obv been 'scrubbed up'

I think the fee for reversal 22/2/8 is their default notice fee

which for them was always £50.

 

 

so its dropped off years ago from your cra file

 

Oh I see. I probably wasnt even checking my credit file back in 2008. Makes sense wat Ur saying. Reading through some of the posts on here I realised WF had to remove all defaults from credit files.

 

So do u think I should still chase them for over charging me?All I'm really worried about is my credit file being affected. Seems like it won't happen.

[yenot6691]

Hi all. I've just checked my credit report on noodle and Intrum Justitia have registered a default on my credit file :mad2:. I. Really need to dispute this immediately. Any suggestions??

[dx100uk]

so they have changed the org welcome default date?

 

it should not be on there

 

dx

[yenot6691]

so they have changed the org welcome default date?

 

it should not be on there

 

dx

 

Thanks for getting back dx. How do I go about getting this sorted?

 

 

Thanks

[dx100uk]

one letter with a copy of the evidence welcome defaulted you on [date]

 

should do it

else off to the ICO pronto.

 

dx

[yenot6691]

one letter with a copy of the evidence welcome defaulted you on [date]

 

should do it

else off to the ICO pronto.

 

dx

 

Sorry to be so thick dx. Which document can I find the default date from welcome. And what is ICO?

 

Thanks

[dx100uk]

have you the comms log in the sar

 

you need to prove welcome already issued a DN>

 

dx

[yenot6691]

Hi Dx, can you take a look at the attached and advise if this is what i need?

 

i assumed the default was issued in 2008 as per the £50.00 reversal fee.

 

Thanks

[yenot6691]

I still need to write a letter disputing the charges. Do I write to the Intrum Justitia disputing the charges or to welcome?

[theoldrouge]

and of course the agreement fails on several aspects

 

1) its a multiple agreement under s18 cca1974 and must have two seperate headings in bold distinguishing type

 

a)An HP Agreement regulated by CCA1974 and

 

b)A Credit Agreement regulated by CCA1974

 

2)Each part of the agreement must have its own prescribed terms- (they have lumped the monthly payments into one)

 

 

 

eg HP 48 monthly payments x .£....

 

Credit 48 monthly payments x .£....

 

3)48 x £244.61 +£10 deposit= £11751.28 not £11850.96(and I havent had time to check the aprs yet:-))

 

so just on the above, in breach of s60/61 and therefore imo totally unen

 

and now add a faulty dn as well

[theoldrouge]

it seems the default notice date was 3/12/2009, terminated 17/12/2009

[dx100uk]

dn is faulty as it does not give the date in DD/MM/YYYY format

 

however

 

it sadly proves the debt is not SB'd.

 

your reclaiming goes to welcome.

 

so what date have IJ used for the default date

 

dx

[yenot6691]

dn is faulty as it does not give the date in DD/MM/YYYY format

 

however

 

it sadly proves the debt is not SB'd.

 

your reclaiming goes to welcome.

 

so what date have IJ used for the default date

 

dx

 

IJ default date is 01/05/2011

Any chance getting the cc removed

[dx100uk]

well I think i'll let TOR decide

 

the agreement is un-en and prob void

so nothing should be on your CRa file

 

however, I suppose the correct default date is 3/12/2009

 

thus its shown wrong as 1/5/11 for sure

 

dx

[yenot6691]

well I think i'll let TOR decide

 

the agreement is un-en and prob void

so nothing should be on your CRa file

 

however, I suppose the correct default date is 3/12/2009

 

thus its shown wrong as 1/5/11 for sure

 

dx

 

Thanks dx. I wait for advice. I guess another sleepless night

[theoldrouge]

as far as court action etc is concerned, you have ample to defend if they did try to issue a claim

 

as regards your cra file, as dx says the correct default date is 3/12/2009 and imo

 

you are going to be hard put to get that removed from your file

 

You should however imo write to Exp C-

- investor in Purchased Debt Intrum Justitia has entered an agreement with UK-based credit management company Experto Credite regarding the transfer of Intrum Justitia's credit management operations. Intrum Justitia will remain owners of the existing portfolios of receivables while staff, premises and all collection activities are to be transferred to Experto Credite-

 

with a complaint as regards the default date, providing the proof of the correct date,(I would send a copy of the termination letter, keep the very faulty dn up your sleeve for now) requiring them to report the correct date

 

-if they wont then complaint to the ICO

 

At the same time send in your ins/charges complaints, which when agreed at least will show the default as satisfied.

 

My feeling is sadly you will be stuck with that default until dec 2015,

 

but a positive is that they would be unable to obtain a ccj

[yenot6691]

Where do I send the ins/charges. To Welcome?

[dx100uk]

yes welcome

[yenot6691]

yes welcome

 

Thanks guys much appreciared will get on with this tomo.