Welcome finance ccj and a bailiff for unsecured loan

[steven4064]

Sorry, I don't understand the question

[VILKA]

i am wondering why this thread is so quiet.. also I have been chased by HL legal solicitors on behalf of experto credit ltd for the welcome finance loan. threatening county court action. what firm is this, have they started taking court action or is it just their way of making every possible efforts to collect by threatening.

[steven4064]

i am wondering why this thread is so quiet.. also I have been chased by HL legal solicitors on behalf of experto credit ltd for the welcome finance loan. threatening county court action. what firm is this, have they started taking court action or is it just their way of making every possible efforts to collect by threatening.

See post #10548

[VILKA]

i am not a new user and have my own thread, what i am wondering about is this the new way that Welcome is trying to chase for collection

[dx100uk]

just std phishing list tactics

 

dx

[Us versus Debt]

I would imagine that Welcome have sold a load of bad debts that they are having no joy collecting on. Its the only way they can make instant money on it.

That is if they have sold them though.

If the debt agency is collecting on their behalf then it could be Welcome see this as a way to scare non paying debtors into paying.

[VILKA]

where can I follow the welcome finance thread on twitter

[VILKA]

how do I start and follow a thread on twitter please let me know I have N61 today without being received the N56

[citizenB]

http://www.hmrc.gov.uk/manuals/dmbmanual/dmbm667590.htm

 

Not sure why you would want to start and follow a thread on twitter ??

 

 

On receipt of the form N61, if you had not received the N56, you should have immediately contacted the court.

 

Have a read of the information in the attached link.

[VILKA]

I have two accounts

the car loan started in Aug 06,

and personal started in July 07.

 

The branch even after setting up the direct debit could not operate it properly and despite having balalnce in bank account because they were unable to take it out of it they used to call me and I paid them many times in cash .

 

The y have been charging the call charges

 

They have added break down insurance/charges at the time of disbursement on which they are charging me interest, which withn one week I told them is not acceptable.and I have noticed that it is for 49 months and not 48.for car.

 

after the personal loan disbursement which was in July 07, they added PPI which also was raised within 30 days. the instalement was £284, should have come down if the PPI taken off.

 

I was following up with them innocently and they went on promising, but didnt do it.

 

From Feb 2008 until July 2008 6 instalements were collected as 3 direct debits for 2 accounts.upon contacting they asked me claim the money back for the 3rd direct debit each month.

which i did in july 2008,the car instalement is £237.

 

Until then neither the PPI nor the break down have been cancelled.in between they went on adjusting the amount of £237 from my car towards personal loan.

 

I raised the matter with different authorities within Welcome, and ultimately from Nov 08 stopped paying them

 

Instead of replying to my complaints they have recently in this month put a default of my CRA.

 

hI ALL,

 

THIS IS JUST A SHORT HISTORY OF MY EARLIER THREAD.

However, despite having the account in dispute on records with Welcome and addresses updated from time to time

, they got a default CCJ perhaps by communicating to my older addresses with no chance for me to defend.

 

 

The same was communicated to me in June 2012.

Thereafter, since I am without job,

I have completed all the formalities of the court by submitting the I and E form in January 2013.

 

 

Also stating that the amount in judgement is in question and due to the nature of default notice and other irregularities as pointed out by the experts here, the loan is unenforcable.

 

 

Last week I have received another letter from the court that if the total amount is not paid by 18th June I will have bailiff pleasure at my door steps.

 

I have engaged solicitors,but I am worried about the state of heppenigns, as I have nothing for the bailiff with me in my name.

 

It is said that since I had stopped paying them since issuing a letter of dispute in 2009,

I wont be able to approach the county court to set aside the CCJ.

In which case, what are the options for me.

 

All the paperwork previously done as per the guidance given here, like cca, SAR wherein there are found to be more than one lacunae with Welcome.

 

Expert advice please asap.

 

Postaggi,

 

Please help

[sequenci]

Hello there.

 

When was the CCJ obtained against you?

Did you keep Welcome updated with your new address as and when you moved around?

[postggj]

Who was the claimant

 

IND/Hagarty

 

Welcome do not instigate court claims

 

You can set aside if you did not receive the claim form

[VILKA]

Thanx Postggj,

 

Actually as per the amount I can conclude that it is for the unsecured loan as I haven't received any communication prior to the CCJ. On the letter/communication from the county court it is said to be Welcome finance only. My solicitors are chasing them but there is no response as they are unaware of any such thing

 

Also, please let me know how can I set aside

 

I can PM you the commnication from county court

[postggj]

Please do AS THIS NEEDS DIRECT ACTION

[VILKA]

As for the site team, I am unaware of the date of CCJ and there is nothing on Credit File with all the agencies till date, I have a record of updating all the three addresses and all their default charge notices were duly received on the new addresses from time to time

[postggj]

First thing we need to substantiate is

 

Who is the claimant

Date default judgement was awarded

What address the N1 claim form was served on

 

We then fill out an N244 and apply to set aside the judgement for non receipt of claim form

 

If Hagarty is behind this then the CCJ will be quite recent

 

The set aside application will cost £80.00

 

If on state benefits or limited income a fee remission will apply

[VILKA]

Postggj,

 

PMed you

 

who is the claimant

date default judgement was awarded

what address the n1 claim form was served on

 

How can this be found out

[postggj]

Phone the court, give the claim number and ask who are the solicitors acting for welcome

 

i can put a hold of this action to give breathing space, but you need to be quick

 

Phone the court NOW

 

They may answer up till 430

[sequenci]

A set aside would only be possible if

 

A) The claimant knew that they were sending the information to the wrong address. If the defendant failed to update the creditor with the new address details service may have nbeen valid (this would allow for a MANDATORY set aside)

 

or:

 

B) There is a reasonable prospect of success on a triable issue

C) An application is made promptly - normally within a few weeks of the original judgment being entered. There is plenty of case law to support this.

[postggj]

Agreed

 

It will be down to the District Judge to make that decision on the basis of the application

 

What ever happens, the judge can only say no

 

He might say yes

 

All for £80.00

[sequenci]

I guess it depends on how old the judgment is and how switched on the other side's legal team are.

[citizenB]

It is said that since I had stopped paying them since issuing a letter of dispute in 2009, I wont be able to approach the county court to set aside the CCJ. In which case, what are the options for me.

 

 

Who has said you cant approach the County Court to set aside ?

[VILKA]

Just spoke to the court, they have got no information about the solicitors with them and they have asked me email them about my requirement of documetns when told that the judgement obtained is a default judgement. also bailiff has not taken up depite the warrant being issued

 

my solicitors said that it is difficult to obtain set aside

 

Postggj

what should the email to be sent to the court if you can PM me please

[sequenci]

my solicitors said that it is difficult to obtain set aside

 

Potentially. Unless the CCJ is quite recent I think you might find it tricky. There is a fair amount of discretion with county court judges though.

[VILKA]

we dont know when the CCJ was, it is sinc emore than a year but not showing on any of my credit files as of today