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MONTY

DLC after old WElcome Finance DEbt **FOS COMPO + DEBT CLOSED**

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Hi Mike,

 

I have checked my files, thoroughly.

 

 

These are the only T&Cs provided by the current DCA under my recent SAR to them.

 

 

I will try and improve the image and repost.

 

 

However, the copy provided to me is very poor.

 

For information, last payment 31.07.2009. I think the variations in sums owed is caused by the addition of penalty charges and interest after the DN was issued

Edited by MONTY
update

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DN sorted already

 

 

that's non compliant

 

 

it states 14 days

 

 

not a specific date in the format DD/MM/YYYY

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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SAR to original lender drafted and being sent by recorded delivery Wednesday.

 

Letter of complaint to current DCA drafted and being sent by recorded delivery Wednesday.

 

 

don't waste money on recorded delivery

 

 

simply use the FREE proof of posting from the PO counterwhen you get you PO's

 

 

DONT sign the CCA request

leave the £1 PO BLANK.

 

 

as for the sar SIGN IT

make the PO out to WELCOME FINANCE

 

 

have you moved since you took this out with welcome?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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dx100uk so is this un-enforceable and the reason this debt was sold in the 1st place?


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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a debt does not have to have a DN to be sold

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Original CCA provided under recent SAR. The T&Cs in this PDF are the only ones I have received.

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don't waste money on recorded delivery

 

 

simply use the FREE proof of posting from the PO counterwhen you get you PO's

 

 

DONT sign the CCA request

leave the £1 PO BLANK.

 

 

as for the sar SIGN IT

make the PO out to WELCOME FINANCE

 

 

have you moved since you took this out with welcome?

 

For clarity, should I be sending a CCA request AND a SAR to the original lender? Will not the SAR cover everything?

 

Yes, I have moved twice but did inform the original lender of change of address (proof held) with the exception of my most recent move July 2013, but I have told the current owner of the debt.

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if the sar went to welcome

you don't need to repeat it.

 

 

CCA request goes to CABOT.as post 28

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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if the sar went to welcome

you don't need to repeat it.

 

 

CCA request goes to CABOT.as post 28

 

 

dx

 

To clarify - do I send CCA request to the current debt collection agency AND a SAR to the original lender? The current debt collection agency has responded to my recent SAR to them with the copy of the CCA and T&Cs posted in this thread

Edited by MONTY
UPDATE

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DN sorted already

 

 

that's non compliant

 

 

it states 14 days

 

 

not a specific date in the format DD/MM/YYYY

 

 

dx

 

I pointed this out to a judge with another debt and lost the case as he said I should have understood!!! I told him I wished to appeal and he said he would not allow it (that debt has been cleared now)

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I made an error in Post 26 which I have corrected.

 

 

Last payment was 31.07.2009.

 

 

However, from the original lenders transactional records they have recorded the £1.00 fees I sent to the debt collection agencies at the time

(I have copies of these requests and proof registered post) with my CCA request as credits on the account

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How do I delete old files from my upload folder?

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you say that you do not now own a property

 

this was a secured loan, welcome held a legal charge

 

what happened when the property was sold?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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How do I delete old files from my upload folder?

 

user CP top right


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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you say that you do not now own a property

 

this was a secured loan, welcome held a legal charge

 

what happened when the property was sold?

 

We returned the property to the mortgage company (not Welcome).

 

 

We wrote to Welcome explaining we had surrendered the property.

 

 

The property was sold by the mortgage company.

 

 

We entered into a repayment plan with the mortgage company for the outstanding balance.

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user CP top right

 

Thanks - cant see a delete button

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don't waste money on recorded delivery

 

 

simply use the FREE proof of posting from the PO counterwhen you get you PO's

 

 

DONT sign the CCA request

leave the £1 PO BLANK.

 

 

as for the sar SIGN IT

make the PO out to WELCOME FINANCE

 

 

have you moved since you took this out with welcome?

 

Done. SAR signed and PO made out to Welcome. Sent - proof of postage retained

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Just sit back and wait now Monty


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Just been reading the FCA CONC.

 

 

Wow! There appears to be blatant disregard by the original lender and subsequent DCAs.

 

 

No wonder this debt has been passed to numerous DCAs over the years!

 

I cant thank Mikeymac2002 and others for putting me on the right track

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That link to the FCA book is a gold mine I wish everyone would read it lol


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Thanks - cant see a delete button

 

 

user CP

 

 

misc

attachments

 

 

then tick the righthand boxes on the posts you want to remove the attachments on.

 

 

TIP look at the FILESIZE anything over 1Mb need removing.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Where there is a joint account and the DCA collection has placed the account on hold to investigate a matter with one of the named debtors,

are they allowed to immediately pursue the other named debtor, disregarding the dispute?

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Account in dispute so NO regardless of a solo/joint then its in dispute check out those regs from earlier post


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Account in dispute so NO regardless of a solo/joint then its in dispute check out those regs from earlier post

 

Good point, well made. They put the account on hold to investigate issues I had raised, then pursued my wife.

 

CONC 7.5.3 A firm must not ignore or disregard a customer's claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer's claim is not valid.

 

DCA's argument:

 

'With regards to any disputes on the account, we hold separate records for you and Mrs … it may have been the case, as in your most letter, as you state the account reference ............ only; we took this as the account was being disputed by yourself only. Your recent letter contains both names and as a result we have noted our records confirming that both parties are disputing the account'.

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Look how much info and control you are now getting I bet you thought you would never be able to take on the fleecers Monty so keep the pressure up and see what happens next....

 

 

They now have up to 56 days to deal with this complaint then they must send you their results, if they cannot sort the complaint out they must then send you a final resolution letter, stating what options you can take next


If I have been of any help, please click on my star and leave a note to let me know, thank you.

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