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    • Thank you Dave, yes I have been reading a lot, but as you already mentioned mine is court one for some reason. Yes, the CPR request - printed and sent after completing the AOS online, as per dx's instructions.   And yeah the full timeline had me scrapping the vehicle and moving to new place in between the date of alleged contravention and receiving first "debt recovery" letters. To none of them did I respond as all of them said that I cannot dispute the charge as seen in the letter attached. 02/01/2020 - alleged contravention 29/11/2020 - scrapage of mentioned vehicle that I was still the registered keeper of and V5 had my address of the time on it since DVLA was reaching me and they had my details from them it should be correct 02/02/2022 - I move to my new place 18/01/2023 - first letter of debt recovery to my new address 21/11/2023 - letter of claim raised to county court Funny enough I never used that parking, so since I didn't see the pictures (the PCN or any reminder was never sent to my address in the first place, on the 18/01/2023 it was literally the first contact) I cannot even take a look whether it was my housemate as he sometimes borrowed my car, but then again I checked my emails and everything and on 01/01/2020 I was flying into the country back from holiday and was landing at Luton London Airport so me myself definitely had no business in Stansted area. I cannot even check for mercy period, whether that was actually my car or reg clone, nothing, as I never had that letter in my hands, sadly.
    • Good grief, this has to be one of the most stupid invoices issued for the most petty of reasons that we've seen here. What was the reason for your two visits? I ask as there may be the chance of getting the leisure complex to intervene.
    • Under UC there is no actual need to claim carers allowance, as long as you declare that you are caring for X for 35 hours per week and confirm they are in receipt of AA on the claim, they will verify you as a carer and you will then not be subject to the MIF, but will stil need to decalre your income and expenses each assessment period. This is because as a care, you are not expected to be available to work or have to look for work.
    • Yes, if you do a search on the forum you will see we have a lot of threads for this place.  It's basically a scam site. Yours is only the second case we've seen in years & years where they've done court though, undoubtedly because you'd moved and you didn't reply to a Letter of Claim. When you wrote "printed and sent" you did mean the CPR request, right?  
    • Please check back for a reply tomorrow. However we would like you to repost your story please in a more succinct manner and properly spaced and punctuated. It is very difficult to follow solid blocks of text especially on small screens such as telephones. It would be helpful if you could present your story in a structured bullet pointed chronology and less narrative please       
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Old welcome finance loan question


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Hi all.

 

Over the past few days, i've been going over my families finances so we can try and streamline them and have more in our back pockets each month.

 

I remember vaguely that around 2001/2003 ish area i took out a loan with welcome finance, and im pretty sure it had PPI on it ( i was 21 at the time and the clerk there said PPI was a very useful thing to have).

 

The problem im having is it was registered at my old address and was paid off in full, without missing any payments around 2 years after taking it out. I have since moved to my current address.

 

My partner has suggested that i post here to see if theres any possible way we can get any information on the old loan. We both are very doubtful we can, but we think we may as well give it a try anyway.

 

I know its from a very long time ago ( 2003/2005 at the very latest it was fully repaid), but any advice on how to get information with a SAR from welcome would be appreciated, along with any info we would need to supply welcome with.

 

Again, we doubt welcome still have ANY of the details in their system since it was so long ago, but we both though, "hey, what the hell" :)

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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If you are happy to punt a tenner then go for a SAR.

 

However, as you say time may be against you especially if the loan has been paid off for more than six years. If that is the case then they may have destroyed the paperwork on the file.

 

If they haven't got any data on you then they should return the tenner.

 

Nothing ventured, nothing gained IMHO

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

 

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WE DON'T GIVE ADVICE BY PM BUT IF YOU SEND ANY SITETEAM A LINK TO YOUR THREAD WE  WILL BE HAPPY TO OFFER HELP

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True. What info would i have to include with the sar? A short detailing of my old address along with my new one? DO i need to provide any evidence?

 

Right now, money isnt too much of an issue, but since we want to put money down into out house, we thought nothing ventured, nothing gained. So we are happy enough putting down the £10 in a postal order. Although my partner has doubts about being able to recash it if its returned.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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In the SAR I would give them full name, date of birth and the address(es) you were at while the loan was live.

 

To prove your current address maybe the header of a utility bill which shows your name and address.

 

Not sure on the recashing of a PO without looking. POst office site may have some info

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

 

How To Upload Documents To Cag

Instructions

 

WE DON'T GIVE ADVICE BY PM BUT IF YOU SEND ANY SITETEAM A LINK TO YOUR THREAD WE  WILL BE HAPPY TO OFFER HELP

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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Thanks. We'll get the SAR sent on monday or tuesday. Unfortunatley we're both working tomorrow so wont have time to get to the Post office.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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