Jump to content


  • Tweets

  • Posts

    • If a DCA supplies a reconstituted copy of the CCA what would be the next step. It seems that a reconstituted copy must be a " true copy " of the executed agreement, it must contain the Prescribed Terms. But given that there is no copy of the applicants signature surely it could be an agreement form with the details filled in. How can it be assumed that this " copy " represents a true copy that the claimant has supposed to have signed. Cabot have demonstrated a bit of sabre rattling when they say "Until we're able to provide this information , your account is unenforceable. This means we're not permitted to obtain a County Court judgement against you . Whilst we cannot pursue legal action, your balance remains outstanding ". I looked up a case... Cabot UK Ltd  v  Bachellier (2010) which might help, but it's tough reading, I'd prefer to plough through War and Peace. This particular case with Cabot is not huge , approx' £140, but the only other worry that I have is also with Cabot...£2100. They may try to make a point with lesser case.        
    • you'll never find a court open on a w/end MB. all courts are closed Good Friday and Bank Holiday Monday. However as Andy points out, that does NOT mean you get 2 extra days to file, you get one, same as xmas/new Year. UKPC have not filed their, so no rush on yours as dave says.  
    • Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed some of the worst tendencies in British politics”. “The only way to think about it is as a psychodrama enacted, for the most part, by a small group of middle-aged men who went to élite private schools, studied at the University of Oxford, and have been climbing and chucking one another off the ladder of British public life" Top US magazine slams Britain after 14 years of Tory ‘psychodrama’ WWW.INDEPENDENT.CO.UK The New Yorker’s excoriating report on the state of the UK lays bare how Britain’s withdrawal from the European Union (EU) “catalysed...  
    • UK travellers are being caught out by post-Brexit passport rules.   When do I renew my UK passport and what is the 10-year rule? WWW.BBC.COM UK travellers have been turned away at airports because their passports are not valid for EU travel.                                   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Hoist Portfolio 2 Limited chasing an old Welcome Finance debt


kimkitch
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3000 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

I received a letter in September from Hoist Portfolio Holding 2 Limited stating the following

and that I was to make payments to Robinson way.

 

 

The first paragraph of the letter is as follows.

 

" We are writing to notify you that MKDP LLP has assigned all of it's respective rights, titles and interest in respect of the above referenced account

(Ex Welcome Finance Limited) to Hoist Portfolio Holding Limited effective 10/08/2015.

The balance they say is £17580.00."

 

This was a loan that I took out with Welcome Finance and was secured on my home which was subsequently repossessed in October 2010.

 

Further down the letter it states that I should check my credit file and that this account will currently be showing under the name of MKDP LLP.

 

However when I check my credit report (Both Experian and Noddle) there is no mention of this debt in either my Active, Default or settled accounts.

 

 

When I spoke to Robinson way about this account,

I said I would speak to Step Change and this gave me 30 days grace.

 

 

However the time has now come when they will be contacting me again by phone.

 

Before I speak to them I would like to know where I stand as if it was still a debt surely it would appear on my credit file.

 

I look forward to some advice on this matter.

 

Regards

 

Kim Kitchener

Link to post
Share on other sites

When they ring again, laugh and hang up, keep everything 'in writing' ONLY.

 

Keep a diary of events also.

 

If it doesn't show on your CRF, then sit on your hands for the time being.

 

If robbersway have this, and something this size, then something must be up with it?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

hehe what little fleecers.

FWIW hoist and robbers and MKDP are all the same group now

so they are lying to con you

the charge is dead 

you've sold the property

its their tough luck they missed the boat.

 

ever sent an sar to welcome?

 

you could have PPI to reclaim at least here and MIF and prob contents/building

all you got spoofed out of.

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... 

Link to post
Share on other sites

Many thanks for the comments, you have certainly put my mind at ease. I am going to block their telephone number and send a letter stating that I believe the charge to be dead as it is secured on the old property that I had.

Link to post
Share on other sites

pers I wouldn't bother

 

 

simply invites letter tennis.

 

 

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... 

Link to post
Share on other sites

Don't reply to them ever. Only if you get a court claim, and that is almost guaranteed not to happen

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

why not get reclaiming all the spoof insurances welcome levied?

 

 

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... 

Link to post
Share on other sites

Agree with dx. You could be reclaiming thousands here.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • 4 weeks later...

i have received letters from Robinson way asking for payment for £17,580.00.

This was for a secured loan from Welcome Finance that was on my old home that got repossessed.

 

As far as I was concerned when the house was repossessed the loan was paid off

as I have had no correspondence from Welcome Finance stating that I owe them any money.

 

I have checked my credit file and there is no mention of any loan regarding this figure on it.

 

I want to write to Robinson way stating that I do not believe this money is actually owed

but do not know exactly what to put in it.

 

Any advice would be much appreciated.

 

Regards

 

Kim

Link to post
Share on other sites

Whoa, slow down!

 

DON'T contact anyone yet.

 

What exactly, did the letters robbersway send you say?

 

This has alarm bells ringing all over it, not only where welcome finance are concerned but robbersway with a 17k debt!

 

When did you take this secured loan out?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

The loan was taken out about 5 to 6 years ago although I do not have the original paperwork so am unsure of the exact date. The letter from Robinson Way states the following.

 

We want to work with you to agree an affordable arrangement based on your individual circumstances, so we ask that you complete the attached financial statement detailing your income and your expenditure and your proposed payment to us.

 

Alternatively we may be able to agree a reduction in the balance you owe and we may allow you to pay this reduced balance over three months. Please note that where this account is recorded on your credit file, once any agreed reduced amount has been paid then this will be updated as partially settled with zero balance outstanding and not as settled or satisfied.

Link to post
Share on other sites

Was there any money judgment obtained when your home was repossessed ?

 

Also, is this the first communication you have had in respect of this ?

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

Was it Welcome that repossessed the property ?

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

1: How can BCOBS protect you from your Banks unfair treatment

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

Link to post
Share on other sites

ignore them.

 

tough luck if welcome didn't get their secured loan paid off.

 

if robbersway have it

you know it bogus

 

all they've seen is £17k

and the computer has srouted out threat-o-grams.

 

unless/until they issue a claimform ignore.

 

don't forget

a DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS.

 

 

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... 

Link to post
Share on other sites

You owe them NOTHING. Theyve got greedy after seeing the possible amount they can get.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Was there any money judgment obtained when your home was repossessed ?

 

Also, is this the first communication you have had in respect of this ?

 

Not sure what the first sentence means.

Unfortunately I spoke to them on the phone once but have not taken any other calls from them. They have sent me about 6 letters regarding this so far.

Link to post
Share on other sites

You need to be ignoring them in future.

 

They've sent you those meaningless letters because you phoned them, now they think they have someone to fleece.

 

Now you know better just keep a diary of events in case they ramp up any of their harassment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

You need to be ignoring them in future.

 

They've sent you those meaningless letters because you phoned them, now they think they have someone to fleece.

 

Now you know better just keep a diary of events in case they ramp up any of their harassment.

 

Many thanks I will keep a diary and log any other letters that they send me.

Link to post
Share on other sites

Can you tell us when the loan was taken out and how much the credit was, ie was it under 25k was it before or after 2008. Did you ever have an agreement ?

 

Have you ever asked to see one ?

 

I take it there was insufficient equity on the property when GE money foreclosed ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...