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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Welcome Finance Unable to Supply CCA

Ciaran39

By Ciaran39
in Welcome Finance

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Ciaran39

Ciaran39

Posted
Posted

Hi all,

 

I sent a CCA request to Welcome Finance on a secured loan from 2008 for over £18085.

 

they have now replied stating that they are no longer in possession of the document

but we are still liable for the debt under case law and the Consumer Credit Act.

 

The figures they have returned look to have been completely made up,

 

what should my next step be?

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Ciaran39

Ciaran39

Posted
  • Author
Posted
Hi all,

 

I sent a CCA request to Welcome Finance on a secured loan from 2008 for over £18085. they have now replied stating that they are no longer in possession of the document but we are still liable for the debt under case law and the Consumer Credit Act. The figures they have returned look to have been completely made up, what should my next step be?

 

Please can anybody help??

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Old Cogger

Old Cogger

Posted
Posted

No CCA = non enforceable whilst they are in default of the document! they can chase you and ask nicely for you to pay!!!, did they quote any such case law?

 

more detail of the loan would give peeps more of a picture to advise/etc?

:mad2::-x:jaw::sad:
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Ciaran39

Ciaran39

Posted
  • Author
Posted
No CCA = non enforceable whilst they are in default of the document! they can chase you and ask nicely for you to pay!!!, did they quote any such case law?

 

more detail of the loan would give peeps more of a picture to advise/etc?

 

Thanks Mike,

 

The loan is secured on our property and was taken in 2008

but I can only find a schedule for it that is incorrect at the moment,

they didn't quote any Case Law which sounds a little dubious.

 

I thought that was the case and I have it writing on headed paper

that they are no longer in possession of such paperwork

but still unsure what my next step should be apart from blind ignorance.

 

Do I have to put the account into dispute?

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Ciaran39

Ciaran39

Posted
  • Author
Posted
Thanks Mike,The loan is secured on our property and was taken in 2008 but I can only find a schedule for it that is incorrect at the moment, they didn't quote any Case Law which sounds a little dubious. I thought that was the case and I have it writing on headed paper that they are no longer in possession of such paperwork but still unsure what my next step should be apart from blind ignorance. Do I have to put the account into dispute?

 

Is there a link to what I need to send next?

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dx100uk

dx100uk

Posted
Posted

the situation is p'haps not quite that clear cut.

 

its post apr 2007, so they will be able to use a recon

and its a secured loan

you'll have one hell of a job in convincing a judge you did not take it out

 

and ofcourse the charge will sit there until its paid off or you sell the property.

 

knowing welcome I bet you have MIF and a whole host of other compulsory insrances to reclaim.

 

have you been paying this?

 

have you got all the statements?

 

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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Ciaran39

Ciaran39

Posted
  • Author
Posted
the situation is p'haps not quite that clear cut.

 

its post apr 2007, so they will be able to use a recon

and its a secured loan

you'll have one hell of a job in convincing a judge you did not take it out

 

and ofcourse the charge will sit there until its paid off or you sell the property.

 

knowing welcome I bet you have MIF and a whole host of other compulsory insrances to reclaim.

 

have you been paying this?

 

have you got all the statements?

 

dx

 

Hi Dx,

 

thanks for the response/

 

I understand it is not clear cut and

I would not imply to a judge that we never had the loan,

the fact is that we have paid £23000 of an £18000 loan

so the sum total that we borrowed and interest has been paid,

 

my query was how much interest and what charges as we don't have an original copy of the CCA.

 

I would be aggrieved to pay any more to be honest and they will default if they don't supply the documentation

 

but my question is as to what letter do I send next?

 

I am willing to go to court as I believe in the laws eyes the debt is paid in full.

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dx100uk

dx100uk

Posted
Posted

well as indicated

welcome love compulsory insurances and PENALTY charges

 

i'd be sending them an sar.

 

don't forget also

 

welcome staff routinely wrote out new agreements if you phoned up

anytime wanting to reduce payments or were in debt to them.

 

that could be why they don't want to send the CCA

 

the SAR comms log will reveal all.

 

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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