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surrey_36

Coast claim for Possesion or property received - old Welcome Finance secured loan - now sold to coast

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Sorry yes its on the land registry, it shows as Coast (and mentions something about it being taken over from Welcome i think, from memory)

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did we ever get all the statements from welcome via sar from day one on both this and the loan is refinanced was it?

 

so they get their money anyway when you sell.

 

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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No it was refinnaced, but coast took it over from Welcome

I got statements from Welcome ages ago, am going to dig them out.

 

 

Sorry correction : I meant it was not refinanced, unless you mean when Coast took it over?

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I have received statments back to 2008 from them, Its a big file, with lots of the original papaerwork, a lot of this I have not seen for a long time and im sure this wasnt in the previous SAR.  There is some information that has been erased, it seems to be the Witness or agents/sales persons name!

 

 

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lots of fixed sum penalty fees?

 

 

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Are the fixed Sum payments things like Letter & Telephone call? Not sure what capitlisation is!

 

PAYMENT £571.10 £16963.26
 PAYMENT REVERSAL £284.82 
PAYMENT REVERSAL £285.55
PAYMENT REVERSAL £0.73
 REJECT CR/DR CARD PAYMENT FEE £5.00 
CAPITALISATION £5.00 
 TELEPHONE CALL OUTGOING £10.00
TELEPHONE CALL OUTGOING £10.00 
LETTER £10.00 
LETTER £10.00
PAYMENT £285.55
 CAPITALISATION £281.76 
DEFAULT SUM FEE INTREST £0.04 
PAYMENT £285.55 
CAPITALISATION £281.24 
 DEFAULT SUM FEE INTREST £0.65
LETTER £10.00
 CAPITALISATION £282.09
 DEFAULT SUM FEE INTREST £0.80
LETTER £10.00
PAYMENT £600.00 
£285.02 
 DEFAULT SUM FEE INTREST

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yes.

capitalisation is welcomes word for interest .so not reclaimable

 

reject DD fees too are ok to reclaim

defaults sum fee int CAN be inc

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Ok thanks DX, so i reclaim these charges and default sum fee's

Then I guess once/if this is settled and they hopefully refund these charges then I need to make a repayment plan arrangement with them.

 

I think i need to move quickly as they have mentioned legal action which they said would involve property repossesion (so they stated anyway!):behindsofa:

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well prepare a CISHEET with them in at welcomes int rate

think if you go read that letter properly it doesn't say WILL anything

and ofcourse the one page CCA return is woefully lacking and thus unenforceable

so don't fall for coasts waving of dangly bits to scare you.

 

you have ofcourse read all the other Coast threads here too...


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I have read through other threads but not sure if im reading the right things as cant really find anything relating to this. 

 I go to search forum then enter 'coast finance'.

 

Received a letter from Coast saying that unless i resond to their letter with offer of repayment then i will "soon receive Final Notice Letter' before your account is passed to our solicitors to commence legal action for possession of your home.

 

I have not doen the CIS sheet yet !

I have the full response ot the DSAR request and so have all information but still not original copy of CCA.

 

Just worried about the repossession threat.

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thanks DX

I have been sent a CD with tons of documents, I can probably convert them all to a PDF and upload them, ill get onto that this evening

 

Thanks for the link to the threads about Welcome/Coast, i think i get the drift

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The DSAR is a 200 page document, might be a bit big to upload! Is there specific pages?

 

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well get on and do that CISHEET yourself then

without the statements we cant help you or check your spreadsheet.

 

 

 

also 

 

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=Coast+welcome&sa=Search+CAG


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Ok so just statments needed from the DSAR?

 

 

I have found a brilliant package for editing PDF's, much quicker than photo editing each individual page, you can go though whole document page by page and just erase the personal info - very quick and easy!

Edited by surrey_36

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as long as its not a pdf editor!

as they can be reversed engineered.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Oh... yep it is.

Ok will do the other way no probs.

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Load them all in and simply mass crop the top 1" of all pages

Easy


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Surrey here!

I still need to sort these statements up, scan, edit and upload.  

 

I have received a letter today from TLT Solicitors instructed to act on behalf of my lender. 

They are referring to this as a mortgage. 

 

They are giving me 7 days to make an arrangement to pay coast finance before proceeding are issued.

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upload


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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doesn't say will anything.

 

statements?

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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oh dear.... 😳

That was close very nearly uploaded a JPG again then, realised my mistake and corrected quickly. Phew.

 

TLT Welcome PDF.pdf

Edited by surrey_36

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Im having to request the statements again as the CD is now not working with the code they sent me!

 

I am worried about the fact they say they have issued proceedings though🙄🙄

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they haven't ….

and they don't send you a court date either.. the court does..

 

but I suspect it's just an English grammar mistake done on purpose, by saying court proceedings.. they mean started their internal process that MIGHT lead to court proceedings...not applied to the court.

 

next time you get CD data copy everything off of it! before the password expires as they could well of now doctored data to their favour in new versions.

 

though I've a feeling its a password mistake by you..

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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