lowell/restons got a CCJ on a refinanced welcome debt- i think i've been had!!

[sperry]

Hi all,

 

I have currently started a complaint against welcome finance regarding charges related to a period after October 09.

 

I was told at the time my payments had been dropped from 83.30 to 50 and interest would be 0%, this didn't turn out to be the case.

 

Does anyone have an idea to what that process was called or could have been?

 

The case has since been passed to court and I am paying them back after losing.

 

However after an initial call I was told if this turned out be true they would have to buy some of the debt back.

 

What am I to expect in terms of reply?

 

Are they likely to brush it off as it's already been sold and in repayment etc.

 

I have a old tsb debt of roughly 1800. 1500 of which were charges.

 

After some quick checking I was wondering can I still reclaim that back and off the debt?

 

Or is the 09 supreme ruling preventing that?

 

Also this particular debt is close to being statute barred I think,

so should I ruffle their feathers just yet?

 

Apologies for briefness of second paragraph,

late for school run

 

 

haha

[Conniff]

You would be better to make you post more descriptive sperry, and tell us exactly what went wrong, and why it went to court. Wait till your home with more time

[dx100uk]

use this for the welcome debt

 

 

start another thead for the other debt in the named bank forum.

 

 

.........

 

 

now you are saying welcome sold the debt

 

 

and now you have a CCJ with some fleecing DCA

 

 

and you want to get back all the PENALTY charges PPI/MIF/GAP etc

and clarify what went on during this 'dea' you made?

 

 

so have you sent welcome an SAR to get all the details?

 

 

dx

[sperry]

Ok I'll try my best.

 

Regarding the welcome loan,

 

 

I took out a loan of 1500 with welcome finance around 2008,

 

 

the payments were set at 83.30 per month over 3 years if I remember rightly.

 

 

I paid consistently without issues but came upon financial hardship,

 

 

at this point I made a staff member at wigan office aware and was directed to another bloke.

 

 

He asked what was affordable at first and then became insistent on 50 pound.

 

 

After agreeing the repayment amount I was also made aware the interest would be 0%.

 

 

This was given a specific name I cannot remember.

This was around 16th October 2009.

 

 

After several payments later I began to get a phone call after call about being in arrears.

It was only then did I find out everything I believed to be the case was not.

I remember myself being annoyed but never pursuing it.

 

 

Further down the line I hit more troubles and stopped paying.

 

 

It was admittedly after Several attempts in their part (I completely ignored them)

the debt was then passed on to debt collector and then to court.

 

 

I think the debt collector was Lowell.

 

 

I was ordered to pay 12.50 per week until debt paid up.

 

 

All payments to be sent to restons solicitors.

 

 

This has been kept up without issue.

 

Hope this helps with that one

[dx100uk]

so you had a re-write, did you sign that new agreement?

 

 

I bet not.

 

 

so they sold it on

and lowells/reston got a CCJ because you didn't defend it

or knew nothing about the court case.?

 

 

i'e you did not defend the case nor put them to strict proof they had the signed agreement?

 

 

an sar to welcome is a MUST.

 

 

I bet you've loads to reclaim

 

 

and poss a chance to negate the CCJ.

 

 

dx

[sperry]

I have sent not received anything from welcome

 

I today spoke to a lady who told me email complaints.

 

This has been the furthest I have got with them,

 

she did however tell me that I wasn't given ppi on the loan,

 

and if any charges are found to be unfair then they would have to buy that amount back.

 

Sorry I don't know what dca,mif or gap is.

[sperry]

so you had a re-write, did you sign that new agreement?

 

 

I bet not.

 

 

so they sold it on

and lowells/reston got a CCJ because you didn't defend it

or knew nothing about the court case.?

 

 

i'e you did not defend the case nor put them to strict proof they had the signed agreement?

 

 

an sar to welcome is a MUST.

 

 

I bet you've loads to reclaim

 

 

and poss a chance to negate the CCJ.

 

 

dx

 

That is pretty much nailed on. I think I remember the charges were 500 that were added, may be wrong.

[dx100uk]

urm..shame you tipped them off

ideally you should NOT be phoning anyone.

 

 

that evidence will hit the shredder quicker than..lets hope not.

 

 

sar get it done.

 

 

dx

[sperry]

Would Lowell not have all correspondence and hold the same information welcome for?

 

 

I get money tomorrow so I can send off for whatever I need to then.

 

 

Also would the court not hold any details?

 

I think I was re directed straight to them from someone called fscs.

 

Have I done a big oops?

[dx100uk]

FSCS?

they are the lot doing welcome PPI reclaims.

 

 

sar goes to welcome.

 

 

who did you ring today?

 

 

dx

[sperry]

I rang a number on fscs, which then gave me several options, welcome being one, used that one and was transferred to welcome.

[dx100uk]

await the sar.

 

 

dx

[sperry]

Found the template already, will be out and sent by 9am. Should I post on this thread again upon arrival? I'll keep my mouth shut if welcome do email back, in case I'm still waiting for it. Is there anything I can possibly start researching or preparing in the mean time?

 

Thanks for your help by way, it is appreciated

[dx100uk]

cor yea get reading

 

 

you are in the WF forum

just read here

 

 

you'll get the idea

 

 

tell us the CCJ story

 

 

dx

 

 

.

[sperry]

I'll make a start, I've only just started to find my voice when it comes to dealing with debt and different agencies

however I have sometimes found myself coming across different articles that I've come to remember. I'm a beginner.

 

Regarding the ccj in itself, it is as you imagined, I didn't defend myself, I was very much in hiding mode to the point I wasn't in attendance when decision was made. I received 3 ccjs in matter of weeks, that was my catalyst unfortunately.

[dx100uk]

aw that's a shame.

 

 

when did you get these CCJ's?

 

 

your credit will be trashed for 6yrs paid/paying/or not.

then each will be removed on its 6th birthday

though, ofcourse does necessarily mean the debt is done

 

 

are you paying them all?

 

 

dx

 

 

 

 

dx

[sperry]

Yes all are being paid,1 paid up within few months, priority debt clear also within 6 months,excluding the other 2 ccj. Hopefully by September I'll have an extra 100 a week to go at the non priority.

[dx100uk]

I hope you've sent a CCA request to everyone bar the CCJ's?

[sperry]

I havent,

 

 

very much been concentrating on the priority ones and stabilizing budget.

 

 

I have only a few bills of recent times that are non priority,

 

 

Lowell attempting to get money from me, but they were swiftly sent on way ( I hope)

 

I think it's fair to say I've told the more recent creditors what the situation is and left it at that.

 

It's also fair to say there are some I know exist but haven't heard from in years.

 

Some are close to being statute barred so I don't know what to about those

[sperry]

Hi all.

 

Just an update. Received final response on 9th april refunding 190.22,however npt the rest.

 

I have queries this and spoke to customer relationa today to be told they wont be paying anymore out because of a high court ruling in 2011 and somethig about a scheme and nothing can be done. Just wondering if i can actually do aomething about it?

 

I sent off a sar form bit i am only just about to receive it this week. What should i be looking for and whats irrelevant?

 

Thanks in advance to any replies

[dx100uk]

penalty charges & any form of insurances

[sperry]

Thanks.

 

They claimed they never received my sar request but this one there sending out is out of courtesy.

 

Funny on how there doing it now the ombudsman is involves.

 

Im still a bit confused about the high court ruling,

 

all i know os ot relates to their credit facility being taken away.

[dx100uk]

yea but why..

the cattles directors took all the money themselves and ran away with it.

 

 

the fscs etc reports are on the net.

 

 

dx

[sperry]

Id like to know why there being nice about it myself, can only assume its to look a bit better in readiness for the escalation

[havinastella]

Did they cash the cheque/postal order? When?

 

Stop pussyfooting about and make them accountable.