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Welcome finance and Ind ltd - claimform received


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Firstly what a fab forum really interesting I have read many questions and answers regarding welcome finance and ind ltd.

 

Took out car loan in 2005 with welcome and defaulted end of 2007.

I arranged for them to collect car which they never did,although they did do a report on it for damage wear and tear etc.

 

Never spoke to them or heard anything more from them until this letter from ind ltd arrives 4 days ago.

Welcome finance defaulted my credit file in 2010, 3 years after I actually defaulted.

I believe this debt to be statue barred but unsure of specific date.

I need to send sar but to whom.

Also statue barred letter to who should I send.

 

Any help would be much appreciated.

 

 

 

I have had the the standard letter from ind ref taking court action,this was received on the 7th August.

I have not replied as of yet.

 

Would really appreciate some help /guidance on this please

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sar to welcome

 

poss send sb letter to IND.

but you need to def findout your last payment

 

is the info on your CRA file to check?

 

be VERY careful

 

IND are a crafty bunch.

 

have you moved since you took out the loan?

 

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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Thanks for swift response dx.

 

Welcome have recorded the account as defaulting on the 13/01/2010.

Which is incorrect as I bought another car on hp on the 12/06/2007.

 

Welcome were instructed to collect car but no one ever showed up after the rep had done his inspection for the wear an tear.

I did declare sorn on it for a year or so.

 

Have heard nothing from welcome uptil a few days ago.

 

Will go to bank on Sat an find out when I last paid them.

With regards the sar I believe welcome have 40 days to reply,if that is the case will IND still issue court proceedings.

 

Kind regards

workingknines

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cant see into the future

get that sar done

 

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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In your first post you say you took out the loan in 2005, but in post # 3 you say you took it out 12/06/2007 ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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In your first post you say you took out the loan in 2005, but in post # 3 you say you took it out 12/06/2007 ?

 

Also states defaulted end 2007 = within 6 months of inception if correct??

Credit files essential!!!

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Good morning.

 

Received 2nd letter from IND yesterday slightly different from original in that it states welcome financial services ltd

has assigned to welcome financial servces ltd the full amount owed by you.

Then goes on to say welcome have appointed Ind etc etc

 

IND have received my sar request and payment.

They also inform me it has been passed on to welcome and they will be in touch in due course.

:?:on this why have ind passed it to welcome when it was addressed to welcome in the first place

 

Many thanks

Edited by workingknines
spelling error
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Did you send the SAR to IND?? If so why? These always go to the original creditor.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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No sar was sen and addressed t to Welcome.

ODD post 8# says IND have received the SAR and payment I'm confused now.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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read text after question mark.

 

I already have, this still does not make sense.

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok .

The SAR was sent to Welcome financial services ltd

P O Box 1245

Peterborough

PE1 9PX.

IND have sent acknowledgement of my SAR request and payment of £10.00 P/O crossed and payable to welcome

they say they will pass on to welcome who will be in touch in due course.

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ok .

The sar was sent to welcome financial services ltd

p o box 1245

peterborough

pe1 9px.

Ind have sent acknowledgement of my sar request and payment of £10.00 p/o crossed and payable to welcome

they say they will pass on to welcome who will be in touch in due course.

 

that is inds ho address!!!

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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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passport and driving licence request?

 

send them a copy of your CTAX bill

 

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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  • 3 weeks later...

Saturday 14th Sept I received paperwork from Northhampton court.

 

Claimant is welcome finance.

Documents and payments to hegarty.

 

I am waiting on reply to my sar request from welcome.

 

Unsure what part of court doc to send,

if it helps I wish to defend this claim as I believe had welcome finance collected said vehicle when they were supposed to this would have been sorted 5 years ago.

How ever will take advice as to best course of action.

Thanks in advance.

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You do not have to "send" any part of the claim form anywhere. You can deal with this online up to and including submitting your defence.

 

Can you let us know what the date of issue is - top right hand corner of the claim form and..

 

what exactly it states on the Particulars of claim.. eg the reason they have issued the claim.

 

How much longer is there before Welcome are in default of your SAR request ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Hi Citzen B

 

Issue date is the 11th Sept 2013.

 

They have another 25 days,till 10th October.

 

The claimant claims for sums due under a/various credit agreement(s) regulated by the cca 1974

entered into between the claimant and the defendant.

The defendant failed to pay the contractual instalments in compliance with the terms of the agreement.

 

The claimant complied with section iii and iv and annexe B of the PD-pre action conduct.

And the claimant claims hP Account.......... balance of ............ as of 31/12/09

interest under s69 of the county court act 1984 at the rate of 8% a year from 31/12/09 to 11/09/13 of 871.77

and also interest at the same rate or earlier up to the date of judgement or earlier payment at a daily rate of 0.65 AND costs

 

Cheers

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