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surrey_36

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

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

 

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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 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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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

  • 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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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 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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