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    • why not simply tell you supplier they have the wrong meter number you been paying for usage , and ofcourse you can view this online too so its not as if you'll owe anything you might get a nice surprise and find you are owed a refund.
    • I would add, many companies have done everything possible to manage and carry on in difficult Covid19 circumstances to supply customers with what they need.   Continually making excuses for delays is not what I'd want from an installer and maybe the £100 deposit is not so important.   Get this deposit back if you can but, more importantly, find a local installer recommended by family or friends to carry out the works.
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    • Well I bit the bullet and sent a really polite message asking if all was ok and requesting an update . No response so far so let’s see what happens . If and when this is received a donation will certainly follow . Thanks for responsed 
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MK Rapid Recoveries & old welcome secured loan


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My partner and I were repossessed by Capstone nearly 3 years ago. We havent heard a dicky bird from them but we also had to get a secured loan with the mortgage which was from Welcome Finance. This has now been passed on to Mackenzie Hall my partner keeps getting the odd letter asking if he lives at the address we are now residing at.

He is now saying that we are going to be getting baillifs coming to the door can i just ask this isnt correct is it as this loan is now not secured tried to explain this to him but he is frightened we are going to lose this property cant get through to him.

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Hi, The loan is not secured on your present property so not a problem.

Can you please post up a suitably redacted copy of MHs letter.

 

Are MH just saying they may take court action and if successful they will instruct bailiffs?

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A bailiff cannot come without a court order.

 

Have you checked on http://www.trustonline.org.uk/ entering all your previous addresses to see whether there are any CCJs?

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Was the Welcome loan subject of a CCJ when the repossesion took place.

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Thanks for the replies he has only recieved letters asking him if he lives at the address no mention of court action we just dont know what to do. We dont know whether to let them know where we live and pay a minimum amount a month we owe £23.000. The loan wasnt subject of a CCJ. We had the mortgage and to make it a 100% mortgage we had to get a secured loan with it which was from Welcome. When we were repossessed we just stopped paying it as we were shafted by the mortgage company and Welcome.

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So at the moment there is no CCJ for this, for this amount there is a possibility they could apply for a charging order on property after getting a CCJ, or issue a Statutory Demand for Payment the first step before petitioning for bankruptcy.

Was the loan a ''mortgage under seal'' or a straight forward secured loan.?

How old is the loan, when was it first taken out?

 

Welcome as such no longer exists but is adminstered purely to collect the outstanding debts they hold, their paperwork was often suspect, so perhaps a CCA request to MH would be a good move for a start, use the template from the CAG Library, use a postal order for the £1 statutory fee, MH have 12+ 2 working days to comply.

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MHall and proper paperwork? They'll struggle so it is a good idea to ask them for documentary proof. However at this point it seems MH are only fishing. They don't seem to know your address for certain. Perhaps until something more meaningful turns up you could just ignore them.

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  • 2 weeks later...

I have asked advice on here before about this matter.

 

My partner and I were repossessed in August 2010.

 

The mortgage was with Capstone we also had to get a secured loan with Welcome finance to make it up to a 100% mortgage.

 

We haven't heard a word from Capstone about the mortgage but have had phone calls and now letters from the above about the loan.

 

The latest letter we have recieved which was Friday states that if we don't pay £23000 by Monday they will be taking further action.

 

I said ignore it but he is panicking about it is there anything I can tell him to reassure him or have I to write to them and tell them we will pay them a £1 a month.

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What exactly is this sum for ?.. A shortfall on the capstone mortgage or the Welcome loan.

 

What happened after you were repossessed. Was the property sold ?

 

What was the shortfall on sale, who was paid out of the monies. Have you had a breakdown of figures from anyone ?

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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

 

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

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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, Does MH mention what further action it may make?

 

Knowing Welcomes often pathetic paperwork I think I would make a CCA request to MH now.

When was the loan started.?

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MH are just threat merchants, who are unlikely to do anything.

 

I suspect that they don't own the debt and it will be up to the debt owners to decide on what action to take.

 

If you don't own any property and they will only obtain small payments via a CCJ, I don't think they will bother.

 

In your situation, you really must get in touch with a debt advisory company such as Step Change (formely CCCS debt registered charity).

 

They will tell you what debt relief options may be available.

 

You consider how you can get shot of these debts,

as any mortgage shortfall debt does not become statute barred for 12 years.

 

The other ordinary loan is SB'd after 6 years.

 

What sometimes appears to happen with these mortgage debts,

is that they just chase for the debts and then wait for your financial position to improve,

before taking enforcement action.

 

If there is no debt relief option that is appropriate, you might want to consider whether you can make full & final settlement offers.

Edited by citizenB

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This is the Welcome Loan is it not?

Not a 2nd Mortgage under seal?

 

MHs outlook on things has changed considerably sinc e the departure OF Makenzie and Sands and can no longer be seen as mere ''threat merchants'' litigation is certainly more prominent in their approach.

Edited by citizenB

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which ever it is

 

get an sar off to welcome

 

bet you've heeps of penalty charges!

 

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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Best advice is to fire off letters demanding documentary proof of this debt.

 

Ignore MHall's pathetic attempts at intimidation.

 

A letter arriving at the weekend demanding a huge sum of money to be paid by the following money is a sure fire way of getting a complaint registered against it.

 

I would also write to the east Ayrshire Trading Standards dept to lodge a formal complaint about their behaviour.

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Thank you everyone for your replies.

 

The loan from Welcome was a secured loan that was added to the mortgage to make it a 100% mortgage

this started in September 2005 last payment in 2010 sometime.

 

When we were repossessed the house was sold by Halifax for about £30,000 less than what we paid for it.

 

Since August 2010 when we were repossessed we havent heard a thing from Capstone re the shortfall or any breakdown from anyone.

 

The only correspondence we have had is from first Irwin Mitchell who were chasing us first re Welcome Finance now Mackenzie Hall.

 

I really dont understand all the legal stuff think thats why we were shafted from day 1 when we bought the property.

 

We just dont know whether to offer them a payment of some kind we just dont want to end up in court as been repossessed was an experience that has scarred me for life.

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I imagine the shortfall on the 1st mortgage would be more important than the 2nd loan from Welcome !!

 

The fact is that now the house has been repossessed, both the shortfall and the 2nd loan are now unsecured loans !

 

 

Was there any payment protection insurance on the Welcome loan ?

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

 

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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Dear citizenB

 

I went through a company for that as there was PPI added to the loan without our knowledge.

 

The amount was around £3000

 

they took ages to respond to any letters

 

they finally agreed to pay out but said it would be added to the sum owed to them.

 

The company that were dealing with it said Welcome wanted to know our new address

and until they got it nothing would be done so told them to forget it.

 

I have also looked at my credit file and there is no mention of Capstone

and any shortfall owing there is Welcome on it

 

just cant understand why we havent heard anything from the mortgage company

not that i am bothered but know for a fact we wont get away witn it.

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mucky hall have seen the figure of £23k and their eyes have lit up

thinking they can make a really big profit here.

 

if there was any weight behind claim

the ORIGINAL LENDER would have gotten you in court years ago.

 

me thinks something big smells here with the whole way you were treated

during the repro.

 

and whomever 'wants' this money is too scared open a can of worms.

 

pes i'd certainly SAR WELCOME ASAP

 

get reclaiming .

i bet you HAD to take out heeps of 'compulsory stuff'

to be accepted

and got heeps of PENALTY charges too.

 

might be worth an SAR to the other lots too.

 

see what THEY are guilty of!.

 

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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Dear dx100uk

 

Are Welcome still trading thought they had gone in administration.

 

When we were repossessed they never got in contact with us

 

it was as i said Irwin Mitchell and M Hall.

 

We were repossessed by Capstone when there was a lot of things wrote about them by the press about their not so legal tactics

ie adding charge after charge to your account.

 

I even think the repossession was dodgy as the mortgage was with Preferred and the repo said Capstone.

 

I should of taken legal advice at the time but we were both devastated at losing our home.

 

If i send a SAR to Welcome have they a timescale to adhere to.

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read the sar letter it tells you.

 

yes sar welcome.

 

me thinks this whole repro needs a look at

if they heeped on unlawful PENALTY charges then they want slapping .

 

you need ALL the statement from both companies to unravell this mess

 

and hit back.

 

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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  • 1 year later...

Can anyone give some advice on here.

 

My partner & I were repossessed in August 2010

we were advised to take a mortgage with Preferred & a secured loan with Welcome

which we obviously have now found out they are dodgy companies.

 

We have not heard a thing from the mortgage company

but have had a few calls and a letter from Mackenzie Hall re the loan.

 

We are now getting letters from a company called MK Rapid Recoveries

offering to reduce the debt if we contact them.

 

They are also saying if we dont contact them they will take legal action.

 

We dont know what to do we obviously dont want to be taken to court

but on the other hand we dont want to acknowledge we live at our address

what should we do as when they say they will reduce the debt it is for £23.000

they will probably reduce it by a few grand

 

please help.:???:

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firstly get all the details you can

 

if you've not got the statements send an sar to welcome finance

 

read the MDRR/MKDP letter properly

 

it doesn't say WILL anywhere.

 

I've moved you to the welcome finance forum

 

plenty to read here.

 

how old is 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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ok so not statute barred then

 

get that CCA and sar actioned.

 

I assume there is no kind of dispute

 

have you still got any paperwork?

 

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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Dear dx

 

There is no dispute we know we owe it but dont know the best way forward do we write back to them and ask how much they are willing to reduce the loan this means we acknowledge the debt. Its just that you read on here that people just ignore the letters my partner & I do not want to end up in court we had enough of that 4 years ago.

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