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Coast claim for Possession - old Welcome secured loan - Disc'd once - now another N24/N11R - help


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stop talking on the phone   sar welcome CCA coast …. or scan up to one PDF what you got back.   dx  

You mean land registry but the charge is still in welcome name not coast?

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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yes all

i know some court fees might be due ie they did take you to court , but it failed did it not..so..

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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they stopped charging interest 14 December 2009 - does this mean any legal fees after this cannot be included in the claim

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Are charges after that date anything but legal ones?

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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yes only legal charges

7/5/19 Field Agent cost £60.00

10/2/20 Legal Fee £57.50

21/5/20 Legal Fee (I received a court order and was given a hearing date that was cancelled because of covid) £707.80

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Then put the field agent charge on the stat int sheet

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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18 hours ago, dx100uk said:

yes all

i know some court fees might be due ie they did take you to court , but it failed did it not..so..

 

Doesn't work like normal court claims DX ...it's part of the T&Cs of the mortgage and legal fees incurred will be added to the debt.

 

Repossession claims are ongoing once the initial application has been made...it never fails simply suspended ....therefore a new hearing can be arranged easily.

We could do with some help from you.

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sorry yes i didn't make it clear not too inc those.

 

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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Share on other sites

Ok no probs thanks for help with this

this is where Ive got to so far - total claimable £608.55

 

                   
Claim From: 14/12/2009         Total   £608.55
                   
Claim To:   26/01/2021              
                   
                   
Date of
Charge
Description Amount of
Charge
Number of
Days Elapsed
Interest at
8% Simple
                   
14/12/2009 charges £321.40 4061 £287.15

 

 

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cant be right.

where the CISHEET

you can include the field agent visit cost on the statint sheet not the others

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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Share on other sites
  • 1 month later...

I will have another go at this- should the figure be higher or lower?

 

I had a letter from Coast couple a  few weeks ago saying they were considering re applying to the court for repossession.  I responded twice by recorded delivery offering a token payment until I'm back on my feet and out of lockdown etc, they came back to me and said that the token payment was not acceptable so l replied again and asked them what would be acceptable.   I have had no response from that letter until Today I received a pack;

 

Cover letter from HM Courts & Tribunals saying the claimant has applied to court to evict me' (My house is mortgaged) - this mentions possession of property and eviction.

'Claim for Possession of Property'

'Notice of Hearing'

'Defence Form' (rented residential premises)

 

In addition to this seperately by post yesterday arrived a letter from Coast saying that a court charge had been applied to my account - there was no mention at all of receipt of my letter I had sent by recorded delivery.

 

I will get on with getting the CIS Sheet completed. 

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they aren't.

 

can you do some scanning?

 

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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Evening DX - yes I can do some scanning- everything in the pack with personal details and ref numbers erased?

OK to keep dates?

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yea sure, just remove what they might be able to use to ID you here thats all.

they can't download PDF's without being a member either.

 

 

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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Share on other sites

Had to hide that

Appears everything is still unredacted to me.

 

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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Share on other sites
  • dx100uk changed the title to Coast claim for Possession - old Welcome secured loan - twarted now N11R - help

as far as i can see this is only a review...an N11R.
its a repeat of last year.

 

2. On 14 February 2007
above premises.
the c1aimant and the defendant entered into a mortgage of the xxx

 

there is no existing welcome mortgage - this an old secured loan is not conjoined to a welcome mortgage

there IS an existing 1st charge mortgage with Kensington.

 

(b) The agreement for the loan secured by the mortgage is not (or none of them is) a regulated consumer
credit agreement.  the loan IS regulated by the CCA.

 

7. The following steps have already been taken to recover the money secured by the mortgage:


The Claimant has confirmed to me that it has complied with the requirements of the Pre-Action Protocol for
Possession Claims prior to issuing possession proceedings.
 

did they

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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Share on other sites
On 05/06/2020 at 14:41, Andyorch said:

If it was adjourned..then why are they billing you ? 

 

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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Share on other sites

Their solicitors TLT contacted me last year to say that proceedings had been cancelled and they encouraged me to come to an agreement with the client, Coast/Welcome.  

 

So as they are calling it a mortgage - does that mean its invalid? Also seems confusing that the defence form is questions about rental and being evicted

 

With regard to pre action protocol - I was in communication with them trying to agree a token payment until lockdown was over and back into full time work.   I was also hoping to send them the claim for the charges from the CIS Sheet.

 

I sent both my letters by recorded delivery and have proof of delivery for both!

 

I have attached the docs - apologies for error!

Coast_Court_Docs_compressed - no detail.pdf

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i'm not ever sure N11R is the right form??

 

you are not their landlord

your are not renting from them

you live in your house mortgaged home  and the 1st charge mortgage is with kensingtions.

 

somethings not right here..

 

Form N11R: Defend a claim for possession of a rented property - GOV.UK (www.gov.uk)

could just be an admin error by guildford?

 

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... 

Link to post
Share on other sites
  • dx100uk changed the title to Coast claim for Possession - old Welcome secured loan - Disc'd once - now another N24/N11R - help

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