Experto Credite chasing old Welcome Finance account

[stephenhe57]

On the 6th may I received a NOA letter from Experto Credite (copy attached NOA Experto 6)

which I knew nothing about as my last dealings with Welcome were about six years ago

and to the best of my knowledge satisfied.

 

I then received a second letter on the 23rd May stating that as I had not replied to the first letter

they would be registering the debt with a CRA. (see attachment Experto Credite 23.6)

 

I have checked my cra files with both Noddle and Creditexpert

and the only reference to Welcome was in an archived Creditexpert report dating back to November 2013 (copy of relevant section attached).

 

Please advise as this is the first I know of any problem.

Edited June 1, 2014 by stephenhe57
Personal details showing on attachment

[Bazooka Boo]

Well firstly they cannot just 'apply' a default on your CRF just as they choose, it has to be applied within 6 months of the actual default/failure to remedy occurring...

 

You need to find out exactly when your last dealings you had with WF were.

 

Check your records, bank statements etc, or you will have to supply them (WF) with a SAR for the information, however if the account was closed more than six years ago

then they will more than likely no longer have any information regarding this.

 

Have you moved about at all?

[stephenhe57]

I last had any dealings with Welcome in 2008 and

 

I moved to a different county to be near my family in May 2009.

 

I have had no further dealings with Welcome since then.

(ie No letters notices etc from Welcome).

 

Please see the extract from archived creditexpert report.

 

There are no current entries for WF anywhere on my CRA file.

Edited June 1, 2014 by stephenhe57
Additional info

[Bazooka Boo]

So you have updated your credit file with your new address?

[stephenhe57]

Yes it was done by a creditor and also via my bank

[Bazooka Boo]

Well there's no chance of them claiming they couldn't find you!

 

Do you know when in '08 you last had contact with WF?

 

You 'could' send EC the 'prove it' letter...http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It-%28Updated-21.04.2014%29

[stephenhe57]

Not exactly as I had a stroke last year which has affected my physical memory to a degree

and I am unable to recall the last time I was in contact with WF but it would have been around February 2008

[stephenhe57]

I had two major operations followed by the stroke caused by a blood clot so I do have difficulty with longer term memory so I am having to rely on letters and relatives to help me at times.

[Bazooka Boo]

Don't worry I am a fellow brain injury survivor also, I know exactly what you mean regarding memory!

 

I have very little Short term memory and my working memory isn't much better either!

 

You could then, for your own sanity more than anything send them the prove it I linked http://www.consumeractiongroup.co.uk/forum/showthread.php?387363-You-know-nothing-of-the-Debt-Prove-It-%28Updated-21.04.2014%29

 

It doesn't admit any liability to the debt they claim you owe, but be aware that they will send you reams of deforestation in trying to intimidate you

into coughing up money I doubt you owe.

 

Send it 2nd class post, and obtain ''proof of posting'' which is free from the PO counter.

 

Keep EVERYTHING in writing only, if they ring simply hang up or tell them ''everything in writing'' then hang up.

 

Try and keep a diary of events regarding any correspondence they send you.

[stephenhe57]

Should I mention in the letter I believe it is a settled account or just send the letter with the appropriate fields entered in it.

[dx100uk]

your scan are hugh and slows the forum

 

I have reduced the resolution

please scan at 150dpi in the future

back in a mo to help

 

dx

[dx100uk]

ok firstly i'd hold off that letter to expert.

 

it looks to me as though you had an outstanding balance

and for some reason

welcome put the account up for sale on 3/7/8

 

and as would £0 the balance that was £2637 owing?

 

unless you paid it off?

 

now after 6yrs its fallen off

there appears, rarely, to be no 'sale' default registered.

 

Int Just bought along with MKRR recently the portfolio of welcome finance

 

welcome finance have also been removing ALL their data from peoples CRA files.

 

now, they 'could' be correct here that they can register the debt again

as , it was never defaulted. being the new owner.

 

sadly MKRR have been doing this

 

you'll need to prove you paid the debt off.

 

get an sar off to welcome finance ASAP.

 

sadly again, i'd be wary here IJ will fire off a claimform without blinking

hoping for a default judgement

 

lastly, the ICO has recently updated their guidance

 

there is noting stopping a default being registered late anymore

 

though 6yrs is rather taking the Michael.

 

you only get out

will be to either PROVE you paid the outstanding

or

claim statute barring

 

however as no DN was ever? issued [await the SAR]

it cant be statute barredeither sadly.

 

 

 

EC/IJ, could just be sending out a speculative phishing attempt to scare a 'mug'

 

but you need the info.

 

send the SAR

 

don't do anything else IMHO.

 

dx

[huggy41]

however as no DN was ever? issued it cant be statute barredeither sadly

 

were does this come from i'm puzzeled

[dx100uk]

there a very long thread around somewhere

 

the conclusion was that the SB clock does not start until

the OC first 'could' have gone legal.

 

so that would be the issuing of a DN.

there not default noted on the cra file.

 

however, this is welcome here

not any logical company

 

the SAR I think will be the key as to what has gone on here.

 

you could even have PPI/insurance that will wipe the debt anyway

 

needless to say there a reason for the sale

so something is up I bet

 

dx

[stephenhe57]

What confuses me is that I did buy a car on HP through WF in 2007 and I traded it in in 2009. I would not have been allowed to do this had it not been paid or it would have come up on HPI check at the garage.

[stephenhe57]

I sent a SAR to welcome and they have sent my £10 back and a letter stating they need proof of identity before they will comply with my request?

[dx100uk]

sri should have warned you about welcome

 

if you have moved

 

inc a copy of your old addresses

 

and a copy of your CTAX bill.

 

dx

[stephenhe57]

I am having problems at this end getting the letter scanned. Last try sorry.

[dx100uk]

std rubbish

 

dx

[Bazooka Boo]

HA ha , ''your lack of cooperation'' ha ha ha, oh please........how utterly puerile, who do they think they are talking too, a two year old?

[stephenhe57]

HELP PLEASE Today I received this letter from Experto. Does this mean they can start a new default? I have as yet not received the reply to my SAR request from Welcome.

[dx100uk]

only the OC can issue default notices.

 

if there ever was a default

 

then expert must record the default on the same date as welcme did

 

and I suspect this was more than 6yrs ago?

 

let me go read the thread

 

dx

[dx100uk]

i'd await that sar

 

dx

[angryman1982]

I've had a few of these letters from experto credit regarding a finance agreement that I ended by returning the car half way through. However at the time (2009) welcome Insisted I still owed them roughly the equivalent of what would of been the remaining cost of the whole finance arrangement. I'd told them that I was not willing to pay them a penny unless they could provide some evidence that I owed it. I heard nothing from them since until very recently, nor has any defaults been registered against me. The only thing that bothers me is whether or not experto credit could actually add defaults to my credit rating.

 

It seems to me from reading all this they can't? also I'm a newbie to CAG so whats OC dk100uk? Is it original company?

[dx100uk]

yes it is

 

can I suggest you start a new thread

 

of your own

 

if you VT'd you owe nowt

 

dx