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CCJ - Welcome/MKDP - reclaim unfair penalties?


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Hi,

 

A CCJ was issued against me which has been satisified entirely, I know a portion of the monies were made of penalties for letters, phone calls etc I am wondering if it is possible to recalim those costs even though the CCJ has been satisified?

 

The loan was orignally with Welcome then ownership passed to MKDP who were awarded the defaut jugdment.

 

thanks

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Kind of similar to what I'm going through at the moment. I'll be damned if I let them file a CCJ against me without a fight!

 

First things first, do you have a statement of account, should list all fees, payments, interest (also known as capitalisation), etc?

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I havent sent a SAR as I dont know if it needs to go to Welcome or MKDP, as MKDP were awarded the judgment and received the money.

 

Also are they allowed to add to the orignal default amount? it was £2900 before MKDP took over and they pushed it up to £3400 before they received the judgment against me.

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always the OC , yes.

 

as long as you only paid the figure in the judgement box, then MKDP sadly got away with it.

 

if this is outside of 6yrs, then you'll have trouble getting PENALTY charges back...

 

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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ah.

 

did you know about the court case

 

did you contest it?

 

you indicated default judgement.

 

yes welcome do cough!!

 

however this might be better than that alone.

 

tell us the full story

 

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

Didnt know about court case as I had moved 3 weeks before I received the summons/court letters.

 

Only found out by running a report from Experian which showed the CCJ, so wasnt contested.

 

Paid it in full within the month as the default decision had already been awarded and didnt want a CCJ on my report for 6yrs!

 

Took at loan with Welcome in Middle of 2007 for £2500,

with payments of £168.89 for24 months.

 

Paid for while then fell in to difficulty and stopped the payments as they werent agreeing to a payment plan nor stopping the interest being charged.

 

The account was sold to MKDP in Mar 2010 with a balance of £2900 but then with other so called charges ended up being £3400.

 

I can see that interest has been charged on the acceptance fee of £75 under the Statement of Price giving a total of £108.

The total cost of credit is made up of interest and the 75 acceptance fee

 

Any help is always greatly appreciated.

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at any time before you moved

did you tell welcome finance of you new address.

 

ok seems not too bad as you've not got the ccj thankfully.

 

it a typical trick of MKDP to file to an old address.

 

p'haps scan up what you have

whilst we await the full SAR statements

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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ok fair dues then.

 

but we'll get to the bottom of that interest figure

 

looks way too high for my liking.

 

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

I've moved your thread to the welcome finance forum.

 

are you reading those 2 threads on going here already

 

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

sri I had to pop out

 

mostly any thread involving welcome has penalty fees involved

 

click the welcome finance in blue up the top of this sitepage

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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