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    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
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    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
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Empingham chasing old [paid] welcome debt


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Hello everyone thank you in advance for reading.

 

I have just had a call from the above company,

 

they are saying i owe money to welcome.

 

I have had loans from them ages ago but i thought they were all paid.

 

They asked me to confirm my date of birth and post code but i said no cause i didn't know who they were,

 

they said i have had my chance and they are gonna send door step collectors round.

 

Now i guess at the moment there is nothing i can do but i am a bit worried about the threat.

 

Thanks for any thoughts

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Hi, welcome to CAG.

Ignore the threats of collectors calling

they have no authority what so ever to

visit you, question you or ask for money

from you.

If they call again state ''in writting only''

and hang up.

Check your credit reference files to see if

any debt to Welcome shows up.

Welcome only exists now to collect old accounts.

There is a possibility that this ancient.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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if you had anything from welcome

i bet you had PPI etc et

 

and lots of PENALTY charges

 

get relaiming!!

 

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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  • 4 months later...

morning Caggers read this one and i have to say that empingham are now using badly recorded messages to get you to call them, press 1 if you are the person they require, press 2 if you are not the person but can you pass a message on to person 1recorded

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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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  • 2 months later...

Hi

 

I have received letters from the above two companies in the same envelope, the one from welcome saying that the debt has been sold to lowells and the other from lowells saying they have bought the debt from welcome.

 

I am going to send sar and cca to the companies but can you please tell me which to send to who?

 

ta muchly

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Hi

 

I have received a couple of letters, one from Welcome saying they sold the debt to Lowells and the other from Lowells saying they had bought the debt, both letters came in the same envelope.

 

Now Lowells keep calling my mobile, this is not to much of an issue cause I wont due the security check and they tell me they wont take the call any further, I respond with okey cokey then.

 

Not sure what is for cause I had a car loan with Welcome with Gap insurance the car was wrote off in an accident and I refused to pay the outstanding balance they said I had - thought that was what Gap was for.

 

I also had a personal loan which was paid off - Welcome agreed to write off half if I paid it, I did.

 

Therefore it can only be either one of these balances which as far as I am concerned I don't owe.

 

Can you please advise what letters to send and to who?

 

Ta

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merged with you old thread on this subject

 

seems like you ar on a phishing list

 

did you ever get your CRA file?

 

might give you a clue

 

see below

 

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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yea if you have a card its free for 30days exp or eqi below

 

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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I had a car loan with Welcome that was paid up around 18 months ago. No payment ever missed and all on time.

When I made the very last payment (then immediately cancelled the DD), I rang them up asking if they were going to send written confirmation that the debt was paid in full. They did and Ive kept that letter to this day.

Knowing them as I do it wouldnt have surprised me if some DCA popped up about a year after the debt was paid demanding money on behalf of Welcome. As it happens, its all been quiet. But Ive still got the letter as I wouldnt trust them as far as I could throw them:roll:

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  • 2 weeks later...

Hi All

 

I have done a CRA and it shows the Welcome Loan as settled but with a balance of almost £900.00 this is the amount that should have been settled when I paid them as agreed.

 

I have also received another letter from Lowell today saying they are going to send someone round to arrange to collect payments.

 

What should I do?

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no t worry about it

 

they are NOT BAIIFFS

 

and have NO SUCH LEGAL POWERS

 

you CAT has more

 

IF the man in the MAC turns up

 

tell him to LEAVE YOUR PROPERTY

 

and call the police

 

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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did you ever SAR welcome?

 

if not get it done now

 

i bet theres things to reclaim across all your loans

 

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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telephone harrassment letter from the library

green tab top left

 

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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  • 3 months later...

Hi All

 

I am still awaiting my SAR from Welcome they have asked me to send proof of who I am, in the meantime I sent a CCA request to Lowell and I have received copy of the agreement today.

 

It is from November 2004 and the last payment was made in September 2008, the statement has lots of capitalization, fee assessments, an such like.

 

The figures are

 

Amount used to settle existing loan 1597.91

 

Acceptance fee 75.00

 

Total amount of loan £1672.91

 

APR is 15% and estimated repayment period is 60 months.

 

There is no total payable and no interest amount in money - should there be?

 

Also it is 100% definitely not my signature.

 

Anyone got any ideas about what I should do now - I thought I didn't owe them anything before now I am even more confused

 

Ta

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seems like you've got the typical welcome staff agreement [as you refinanced]

but you didn't know

 

they often did that

 

even spoofing customer signatures.

 

can you scan it up?

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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ok that says it was signed on trade premises

 

did you ever remember going anywhere to sign that document?

 

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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that's the least of their worries

 

if that's NOT your sig

 

then the witness sig is FRAUD by a member of welcome staff.

 

would be int to dig and find out who it is.

 

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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I certainly would like to know who it was that tried to badly forged my signature. Don't suppose I ever will though.

 

Any ideas where I should go from here? Lowell's want me to contact them with a payment plan!!

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tough ignore lowells.

 

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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