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Hi, it took me a bit longer than expected to get round to this due to illness and work issues but I finally got all letters sent after Christmas.

 

 

I have a response to CCA request

 

They have sent me a copy of my credit agreement and stated they have requested a Statement of Account which will be posted separately

and to call Michael Brown (Branch manager) if I wish to discuss further.

 

 

I'm not sure what I should be looking for on the Credit Agreement

 

 

however I notice both boxes for Personal Accident Plan and PPI have been ticked with my signature below the ticks look obviously computer generated

and are not in the same thickness as my writing or how I would even do a tick but how can I prove that.

 

 

Shall I scan it and attach?

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Hi, it took me a bit longer than expected to get round to this due to illness and work issues but I finally got all letters sent after Christmas. I have had 2 responses so far to 2 of the CCA requests

 

 

1st: Apex Credit Management (Mint Card) - basically says they are no longer acting on behalf of RBS Group and to contact them directly, they also sent back my Postal Order which I made out to them - is this now useless? And should I just send off a new letter straight to RBS ?

 

 

2nd: Welcome Finance - This is a bit more interesting. They have sent me a copy of my credit agreement and stated they have requested a Statement of Account which will be posted separately and to call Michael Brown (Branch manager) if I wish to discuss further. I'm not sure what I should be looking for on the Credit Agreement however I notice both boxes for Personal Accident Plan and PPI have been ticked with my signature below the ticks look obviously computer generated and are not in the same thickness as my writing or how I would even do a tick but how can I prove that. Shall I scan it and attach?

 

Not showing your signature :)

 

Did you SAR Welcome? I would if not.

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thanks! I will try and figure out how to use the scanner now and just blank out my name and address. I didn't SAR Welcome but can do. Just wish I had the original details!

 

Thats what the SAR will do. And all charges and payments. You may well be due a huge windfall ;)

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I'm not sure about a huge windfall as didn't repay in full but am intrigued to see what I have paid myself and through my DMP... Anyway I think I have uploaded both images... thanks in advance for any help!

Welcome Finance Image 2.jpg

Welcome Finance Image 1.jpg

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can you convert those to PDF please

 

 

follow the upload guide

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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hi ya

whats that cpc thing you used

 

 

can you not simply follow the upload

scan it to a jpg

redact it

pop the pictures into word

then file save as .pdf

and upload here

 

 

don't forget the barcodes...

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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i'll have a go tomorrow morning, might be easier if I do it using my ipad as have limited programmes on my laptop.

 

 

The CPC thing was not me - that's how it came from Welcome Finance, one piece of paper double sided with the 'CPC View Evaluation' thing across both sides so part of the document is unreadable on each side. I get the impression they have just sent whatever they could ASAP, but I know I definitely did not tick the boxes that are ticked, I don't 'tick' like that!!!

 

 

Thanks for your help I will re-upload in the morning.

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Hi, I do not have the ability to convert to PDF on my laptop, when using an online converter my laptop defaults to a word doc. I will try to get resolved.

 

I have just received a worrying letter from WF saying I have been 'Served under section 87(1) of the Consumer Credit Act

with the attached Default Notice'

 

they have given me until the 18th Jan to clear my arrears or contact them with my proposals.

 

I'm really worried

 

this is now going to impact my credit rating.

 

Strangely the letter I received today is dated 31/12,

however I sent my CCA-request in 2nd Jan

which they replied to on 5th Jan,

 

now I get this dated default dated 31/12???

 

m considering calling them to negotiate a reduced settlement to get them off my case

- what do I do?

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why?

they can enter as many defaults as they like

 

it was defaulted 08/09 you said above?

 

so matters not what else they do

cant harm your file

 

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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as a side issue

welcome will be owing you when you get all the statements from then under an sar to them.

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,

I'm sure I did originally default back in 2008 as did not pay them for over 10 months

I guess a SAR will show this for sure.

The WF loan does not appear on my credit file currently - can it reappear?

 

I have a statement of account from them already, came late last week.

 

 

My original loan was £900,

I have paid over £900 back and still have a balance of £1300,

 

 

I never agreed PPI and there are so many random charges on the statement,

 

 

I actually want to phone them and tell them what I think but am not entirely sure where I stand

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I have created this thread for your welcome debt

 

 

post here regarding that now.

 

 

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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it cant re appear

 

 

no don't phone them

 

 

get that sar running asap.

 

 

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
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