WElcome Finance - Ccj & default for same debt - reclaiming?

[postggj]

ok then

 

got the ageement

 

AM I READING THIS RIGHT

 

JUST SHORT OF A

 

£3000 LOAN AND HAVE IT OVER 72 MNTHS, THATS 6 YEARS

 

DID YOU HAVE A PREVIOUS LOAN AND HAVE IT RE-WRITTEN OVER A LONGER TERM

IF SO, DO YOU HAVE THAT AGREEMENT

 

CHECK BACK TONIGHT

[kmiah786]

The agreements that I emailed to you are the only ones that they have sent, The agreement which was signed first for the car finance, they did not supply.

[kmiah786]

Is there any other information you require?

[postggj]

ime at college this week so ill drop in from time to time

 

please confirm you have no agreement for the car in the sar request

[kmiah786]

Yes, the agreement for the car is not in the SAR.

Also with the SAR, arnt they suppose to send me copies of every letter or reminder that they sent me?

[kmiah786]

Hi mate,

Just a quick reminder so you dont forget aboout me.

[postggj]

Still on this

[kmiah786]

Hi,

 

Just wondering if you have had a chance to prepare the n244

[kmiah786]

Hello Guys,

 

I have a debt with Welcome Finance which at first was car finance then converted to unsecured personal loan.

A CCJ for the debt is placed on my credit file which has about 2 years remaining.

 

Today I received a letter from a debt collection agency Experto Credite for the debt £3397.14 offering me a payment plan of £10 per month.

 

The plan is unacceptable as it will take about 26 years to pay the total debt off.

 

Is it possible to persuade then to write off some portion of the debt and get them to remove the CCJ.

 

Please advice me and provide any template letters if possible.

 

Thanks

[kmiah786]

Hi,

 

Please can you advice me on the following.

 

I had a loan with welcome finance for which they have placed a default and a ccj on my credit file.

 

Default date: 09/10/2007

CCJ date: 11/05/2009

 

Can someone please let me know if the above is right to be done. Also the default will be removed as it will reach 6 years soon, is there anyway to use this to get the ccj removed to.

 

I made a SAR request to welcome finance in which they provided a default notice which was not signed and it definitely looked to be recent and was just put in the file.

 

Any suggestions on the above and how to get them removed would be very much appreciated.

[BRIGADIER2JCS]

Yes it is correct, the account in default is the record of the conduct of the account, the CCJ is a matter of public record.

 

DNs are NOT kept as copies what was actually sent to you, it's a generic copy of what would have been sent.

 

A creditor just notes on the debtors file that a DN was sent on a specific date.

 

The entries are correct and will not be removed, the default goes after years, the CCJ stays for 6 years from the judgement date.

[dx100uk]

nothing to reclaim?

 

penalty fees insurances?

 

most welcome debts have them

 

dx

[kmiah786]

Well I did ask them about PPI, they told me that I stopped PPI.

 

Would the default and CCJ go after 6 years?

[dx100uk]

they will each vanish on their 6th birthday

 

theres very little chance in getting the ccj removed before 6yrs as you've left it so long.

 

have you all the statements & agreement copies?

 

dx

[kmiah786]

Yes, I do have the info.

[dx100uk]

time for a reclaim then me thinks

 

PENALTY charges [letter/phone/reversed / late / over/ its raining]

AL can be reclaimed at the loans int rate

 

insurances

 

PPI/GAP/mech breakdown etc etc]

 

as well

 

wanna scan up the 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

[kmiah786]

Hi,

 

I have attached all the docs.

 

Thanks for going through them.

 

Further details of the default and ccj:

 

Default:

 

Terms: 73 @ £67 (monthly

Current Balance: £3,397

Credit Limit: £0

Start Date: 29/11/2006

Default Date: 09/10/2007

Start Balance: £0

Default / Delinquent Balance: £3,470

 

CCJ:

 

Court Date: 11/05/2009

NO Date of Birth Info

Ammount: £3,732

[BRIGADIER2JCS]

You have left your name on the docs in PDF 1=5.

[kmiah786]

Hi DX,

 

Did you get a chance to go through these?

[dx100uk]

no sri been a busy day

 

will do tomorrow

 

dx

[dx100uk]

working on it now

 

dx

[dx100uk]

notes

 

loan was 73 * £67.26 = £4842.72

 

doesn't look like you can challenge the ccj after al this time

ok the DN is faulty as it does not prescribe an actual date in the format [DD/MM/YYYY]

when it must be paid by

 

and the DN total contains unlawful PENALTY fees.

 

but not a lot I can see wrong else

no PPI no other insurances

 

PENALTY charges sheet attached.

[kmiah786]

Thanks DX

[kmiah786]

So can I challenge the Default Notice and the penalty charges?

If so what route shall I take?

[dx100uk]

nothing worth doing about the default

as the CCJ runs for 6yrs anyhow.

 

Default date: 09/10/2007

CCJ date: 11/05/2009

 

you can reclaim the charges yes

 

see below.

 

dx