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surrey_36

Welcome Finance secured loan - now sold to coast

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thank you silverfox yes I do have the while you were out card, who should I copy and send to?

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The OFT is no more the FCA took over in April

 

Has there been any further developments since March??

 

Part from Atlas??


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

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Scan it up, edit out personal info/reference numbers and upload it as a PDF file.


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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Update on Welcome Finance Secure Loan.

 

Appears debt taken over by Coast Finance Solutions.

 

Checked my latest credit report and no mention of this debt (credit expert).

 

I stopped paying them about 6 months ago,

 

I have today received a letter saying they are going to send a field agent and charge £120.00.

 

I wanted to check figures but on downloading the credit report cannot see this on there,

it was a secured loan,

its quite an old debt now,

I took this out i think in 2010.

 

I've been in an arrangement for a very long time paying a very small monthly token payment, up until about 6 months ago when things were particularly difficult.

 

Can anyone advise what it means if someone is chasing a debt which is not listed on your credit report?

 

Many thanks

Edited by dx100uk
spacing

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just means the default reached 6yrs.

so under ICO rules the debt is removed.

doesn't mean it not owed mind.

 

looking back over the thread

it looks suspect to me in many areas.

if you type in coast finance in the top red toolbars search cag box

you'll see these are overseas buyers that have bought an old welcome portfolio.

pers id send them a CCA request.

i'd also get a new sar from welcome too.


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I have today received a lettericon saying they are going to send a field agent and charge £120.00.

 

cant do either. Certainly cant charge you either :)


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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I think I made an error by sending an SAR to coast

- just re-read a previous post and realise i needed to SAR Welcome and CCA coast - doh!

 

Came home today to find I've had a visit from 'Excel Counselling Services' RE: Coast Finance Solutions.   

Asking me to call the number on the letter. 

This was hand delivered as just had my name hand written on the envelope.   

Letter states they need to report back to coast by 14/3/19 and states im gathering interest every day.

 

Id better get that CCA request in the post tomorrow..

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address of excel or scan up letter to PDF and hit choose files below

safe to totally ignore mind!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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is the charge still showing against the home [unless you've moved ofcourse}

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

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Single Premium PPI Q&A Read Here

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I Think I need to get a land registry update from HM Land,

Ill apply for this and double check to see if the second charge is still on there, 

the debt is not showing on the Credit report but i guess may still be on the registry - will check and update..

 

Excel made another visit yesterday - left another letter, the same. 

They are obviously being quite persistent. 

 

I remember the tactics they used a while ago, calling my neighbours and asking questions about me

- they left me what looked like a Royal Mail while you were out card but it wasnt RM it was Welcome!

 

 

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Another visit from Excel today! Im wondering if i should call this chap, on the number provided on the letter and tell him i wont be answering the door to strangers.  It says on the letter he is going to keep coming back 😟

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got a mobile number...send him a text..if you call here again I will be calling the police on 101.

I do not need nor wish your help nor your charges. I refuse your help.

then block him


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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I sent an SAR to COAST originally which has arrived in the for of a CD and a code. 

Is there likely to be anything in there that is worth looking at?

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yes as with your mortgage thread

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Update on the this thread.

Have not received the SAR from Coast and the request was back in April so they are way over the 40 day time frame (40 days is that correct still?)

 

Would you happen to have a template letter I can send that is the Failed SAR Breach letter

- I cannot seem to find it in your library!

 

Coast did contact me by telephone and I explained that I was still waiting for the response to the SAR but they said would send a copy of the original agreement by post.   

Few days later a bad photo copy arrived of the agreement.

 

I was expecting the SAR to be quite a big package with lots more information.

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stop talking on the phone

 

sar welcome

CCA coast ….

or scan up to one PDF what you got back.

 

dx

 

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Posted (edited)

Thanks dx, yes i know i should not have spoken to them on the phone.  Ill be sure not to do that again.

 

Ive uploaded the CCA that coast posted.

 

I will SAR Welcome, as suggested, thank you

 

Edited by surrey_36
not deleted private data

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Wheres the rest of it?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Coast have written and asked me to complete an income and expenditure seeing that I am now making any payments.  Should I do this?

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question your wisdom on paying this at all

the CCA is unenforceable

but no..

 

only a judge can order an I&E to see your pers financial details.

 

dx

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Ok thank you DX - how come the CCA is unenforceable

I got a report fromt he council and they have a second charge on my little house 

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You mean land registry

but the charge is still in welcome name not coast?

  • Like 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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