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Help please Welcome taking to court five years after no contact .


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I am wondering if anyone can help us please.

In 2006 my husband took a personal loan out with Welcome Finance ..

.it was a very bad time and he was trying anything to keep his business afloat.

 

We ran into problems and were unable to keep up payments and they were being very hostile and charges were being added.

 

We were scared,worried and with everything else happening it caused my husband to have a breakdown

...we had moved and wrongly I know we ceased making payments

..they weren't top of my list of concerns due to my husband being ill.

 

The loan was for £2000.

 

That was 2006 summertime..

..and we hadn't heard anything since then until last week we got a letter at our new address warning us they wanted £5000 to clear but no details or information on the letter.

 

This morning we have received a claim form from Northampton county court demanding £5518.33 but there is no details explaining how this leapt up and what has gone on.

 

I am beside myself and I am worried what they can do...

.we had ppi but I was told we couldn't apply as we didn't have paperwork and welcome were longer open where we took the loan so unable to get relevant paperwork.

 

I don't know which way to turn and how to deal with it to best resolve .

 

Thank you in advance for any advice.

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Hi and welcome to CAG.

 

I suspect the debt may well be statued barred by now but need exact dates of last payments to confirm.

Also you are entitled to re claim PPI if it was miss sold.

 

I am no expert on this so will flag it up for the site team to take a look at.

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Hi thank you ..

The last payment off the top of my head was in July of 2006.. But don't have paperwork or exact dates am afraid :(

Thank you

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Moving thread to Legal Forum

We could do with some help from you.

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i bet 99% of the loan will be PPI & PENALTY charges

 

you need to get an SAR of to welcome on monday.

i bet both of those will wipe the debt out.

 

when is the court date?

 

dx

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 thanks for replying.

The form is a 'claim form' series of forms to fill depending on what we reply I assume..they say 14 days from date of issue which was 13th June..so I need to move quickly I see.

SAR request..I saw info on that reading on here earlier...do I request that first and what would I do regarding this form..dispute the charges ?

Thanks

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Hi Wish

 

The summons process = you have 33 days in total (5 deemed served so 28, 14 to AoS Acknowledge Service and subject to your pleas IE defend then you have another 14 days in which to submit your defence.

 

You should seek any information you require to establish the facts by way of the CPR 31.14 http://consumerwiki.co.uk/index.php/DCA:_Using_CPR_31.14_to_Your_Advantage

 

Requesting D.S.A.R can take up to 40 days .

 

Regards

 

Andy

We could do with some help from you.

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