Welcome Finance Outstanding Debt

[Kellylou32]

When hubby and I met almost 10 years ago I knew he came with a little baggage

which was in the shape of some outstanding debt he had relating to a property he'd had repossessed.

 

 

This included a £7k shortfall following the sale and an outstanding secured (against the house) loan with WFS

(from memory he seems to think it was around £8k)

 

We've had a few letters on and off over the time then a couple of CCJs during what was a very difficult time.

 

 

I know an attachment of earning order was set up and he was paying direct from his wages for about a year

during 2012/2013 maybe (I can't remember exactly) then he changed job and we failed to notify and have never heard anything since.

 

We are currently working with StepChange to get things resolved and upon checking the credit report TWO CCJs appear

- one for £46k issued March 2009

and one for £35k issued February 2009 both for WFS.

 

 

I've initially requested copies of the CCJs but don't have any clue what to do from here.

 

Thank you in advance

[renegadeimp]

Send welcome a SAR. For the debt to go from 7-8k to over 80k combines is astounding.

 

I really suggest you get that SAR off asap.

[Kellylou32]

Thank you so much for the response - my initial thought is that it is the CCJ has somehow been duplicated (possibly wishful thinking I know) I will send SAR asap

[Kellylou32]

I'm after a little advice please.

 

We have been working with StepChange to sort out our financial difficulties and they suggesting using Noddle to check out reports.

 

When we did so I noticed on my husbands, alongside a £20k WFS debt we were aware of, there was another large £45k debt we didn't know about.

 

I have been doing some investigating (I am waiting for copies of the original loan agreement to come through)

and it seems to be an agreement for a Secured Loan against a property.

 

Now although we know the property we NEVER lived there and it's not linked by family etc but the property is a Housing Association property.

 

So my immediate thoughts are why (if the debt does belong to my husband which it doesn't)

would WFS give him another £18k loan if he'd already knocked them

and they were successfully pursing him for that.

 

 

Also why would WFS give a secured personal loan against a Council/Housing Association property?

 

Any help or advice would be gratefully received

- obviously I've stalled a bit until I get the paperwork through from WFS

but I have no idea where to go from there.

 

 

Options are currently throttle hubby for lying to me or throttle someone for taking out a loan in his name and having to prove that was the case.

[i hate bailiffs]

There is a process to go through before a charging order

Has their been a ccj did you file a defence or was it a ccj by default?

 

Charging order on a council property

 

Something does not sound right

Subject access request sent to them would give you all the data they hold on the husband

[dx100uk]

two threads merged

 

 

one thread says you knew about the 2 CCJ's

 

 

the next says you didn't.

 

 

can we have the true story please.

 

 

I don't think the CCJ's or CO's will be in welcomes name?

 

 

I think they had gone down the pan by then?

 

 

its interesting to note

that welcome have removed 10'000's of CO's and CCJ from all registers now

so that's why I'm questioning what is actually going on here

and who owns the debts.

 

 

dx

[Kellylou32]

I originally posted in December when we started this process and

 

 

I mentioned the 2 CCJs both relating to WFS I believed it to be a clerical errors

and that they were both in fact the same debt that had been accidentally duplicated somehow on his file (stupid perhaps yes).

 

 

I have been truthful thank you although maybe not clear so I apologise for that.

 

Naturally my post is an abridged version not containing a lot of personal information

and back story I felt was not relevant

 

 

however I can elaborate if it helps although I can't see how it would do.

 

In both documents (copies of CCJs from the Court the Claimant is named as Welcome Financial Services.

 

I believe there has been A LOT of stupidity on our behalf as to how we have not noticed this before

including the fact that payments have been made via an attachment of earnings order for the debt we believe not to be ours.

 

It would of been a CCJ by default.

 

I'm keen to know what the process is when applying for a secured personal loan?

what documentation has to be supplied?

 

As I said I'm a hold a bit until the copies of the loan agreement arrive but I guess I'm just looking for some help as to where I go from there.

 

I suppose there is always a small possibility hubby has been duplicitous and the loan is in fact him

but if it's not the onus will be on us to prove it wasn't him

and we haven't helped that situation by making payments

and corresponding because of being stupid

and assuming that the WFS debts were one in the same

and not checking reference numbers etc.

[dx100uk]

ok well

what are the dates of the two CCJ's please

 

 

a

[Kellylou32]

One says judgement/registration date: 19-03-2009 and the other says 17-02-2009

 

Thank you

[renegadeimp]

So theyll be unenforceable pretty much within the next 8 weeks.

[dx100uk]

to confirm

you have never paid anything against either CCJ?

 

 

dx

[dx100uk]

re reading the thread

this sounds like fraud was committed in his name

if you never ever lived at the quoted addresses?

 

 

dx

[Kellylou32]

We have been making payments against the one we know is his and we are in an agreement for that one and that's not in question.

 

The questionable one we have (albeit very stupidly) made a few payments against it

when an Attachment of Earnings order was made

as we thought it was the other one

 

 

but no payments have been made on it since January 2011

and no-one has contacted us about it.

 

It is only me contacting WFS that has started it up against.

 

That's what we believe -

we think somebody (we think someone who is vaguely known to us)

has fraudulently taken out a loan in my husband's name.

[Kellylou32]

And just to confirm no we never lived at the address given on the loan agreement. This is a housing association property which the loan was apparently secured against.

[dx100uk]

then theits fraud!! £45k - big fraud!!

 

 

ideally I'd say you NEED to go deal with it , actionfraud for starters.

 

 

why have you sat on this for so long amazes me.!! £45K!!

 

 

the other one

if you are happy with it

then it drops off your CRA files come march anyway

 

 

are you getting REGULAR STATEMENTS - ??

 

 

...........

[Kellylou32]

Obviously as I said my stupidity amazes me also

 

We haven't been receiving statements. The one we are in an agreement with paying I don't fully understand how an £8k/£10k loan becomes £26k but I guess that's WFS interest rates.

 

The one I believe to be fraudulent we have not received any paperwork on for at least 4.5 years and until I contacted WFS on Friday they didn't even have our current address it was a previous address.

 

I spoke to Sharp, Young & Pearce on Friday to find out if they had any information relating to this case as I believed it was the same as the other one and they said it was two separate agreements. They had instruction to handle case but it had been closed since 2011. They gave me a number for WFS and told me to contact them which I did and then the rest followed.

 

The lady I spoke to at WFS said she could not tell me if photographic ID had been supplied at the time the loan was taken out but that it was a secured loan against an address which I know to be a housing association property.

[renegadeimp]

stay off the phone. This is now a serious matter and you need everything in writing.

[dx100uk]

well it wont be enforceable as your name will not be on the tenancy or deeds etc etc

incredible

 

 

how the hell can welcome allow a 2nd charge without checking house documents on a secured loan??

 

 

I suspect it totally unlawful/unenforceable and so is the CCJ.

 

 

......

it the other loan that worries me more

 

 

sar is a must

[Kellylou32]

So I should do an SAR request on the one we are making payments against?

[dx100uk]

do an sar anyway

its gives you all info, not just the one account

 

 

you don't have to put account numbers but if you do

ensure it mentions and all other data /dealings etc

 

 

I think it does

[Kellylou32]

Thank you very much for your help