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    • Just posted up the POC. Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • Here are the Particulars of Claim     Name of the Claimant ? Hoist Finance UK Holdings Limited     30th January 2020 Date of issue 30/01/2020 + 19 days ( 5 day for service + 14 days to acknowledge) = 17/02/2020 + 14 days to submit defence = 02/03/2020 (33 days in total) -   Particulars of Claim   The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03 The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given. The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £7939. + £410.00 Court fee + 100.00 legal costs Total amount £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago          
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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Jhawc24

Welcome Finance - Paying off debt for 6 yrs now!

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Cant believe WF have done this,

 

 

I cancelled the DD last month and have received a letter advising me of my new payment details.

 

 

they have re set up my DD without asking for my bank details or permission,

 

 

they have used the details they have on their records.

 

 

How very naughty of them!


First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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hi

 

have they taken the money??

 

ring your bank and compllain...this is fraud...something welcome are capable of all the time!!!


ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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and something they do all the time too!

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They have'nt taken any money yet, they just sent me a letter to say the DD was set up and will be taken on 26th.

 

Thank you for your replies!

 

Joan


First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Hi,

 

This has happened to a number of people - cancel it again and write to your bank saying you do not authorise a DD to Welcome Financial Services and if your bank allow it to be set up again after recieving this notification they will be held jointly liable.

 

This has stopped all others that I am aware of.

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Ive been reading through some of the threads but they mainly deal with the PPI.

 

Ive been paying off an old loan with WF for quite some time, mainly through a DMP.

 

 

I hardly seem to be reducing this debt despite the interest being frozen etc.

 

 

I rang them about 4 years ago to try and get a reduced settlement figure.

But they refused a negotiated figure.

 

I would really like to try and clean up my credit and clear this.

I know that WF have gone but it has not been passed to a debt collector.

 

Anyone any ideas how I can get a settlement figure with WF (or who it is collecting for them).

 

Advice kindly accepted.


First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Youre being cash cowed big time. Get a CCA going ASAP. SAR welcome as well and get reclaiming.


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

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why is the debt not defaulted?

 

 

and I hope that DMP is not with a fee paying fleecer?

 

 

dx


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

 

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Ive been reading through some of the threads but they mainly deal with the PPI.

 

Ive been paying off an old loan with WF for quite some time, mainly through a DMP.

 

 

I hardly seem to be reducing this debt despite the interest being frozen etc.

 

 

I rang them about 4 years ago to try and get a reduced settlement figure.

But they refused a negotiated figure.

 

I would really like to try and clean up my credit and clear this.

I know that WF have gone but it has not been passed to a debt collector.

 

Anyone any ideas how I can get a settlement figure with WF (or who it is collecting for them).

 

Advice kindly accepted.

 

As others have said get a CCA sent now and a Subject Access Request off to Welcome asap.

 

If interest has been frozen then debt outstanding should be reducing accordingly.

 

Does not sound right and typical of Welcome.

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Who is the DMP??


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

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DMP is payplan and its free, not sure what CCA is, but I already have a copy of the original agreement, and a number of statements so do t I really need to SAR them?

 

The debt is reducing but its just slow as its minimum I'm paying. I'm reluctant to pay more as I would rather have a settlement figure and obviously reduce the amount I pay.

 

Looking at my credit report I cannot see a default for WF.

 

I was wondering if I stopped paying it, would it then be bought by a DC and then perhaps I could negotiate a reduction. What are your thoughts.

 

Many thanks.


First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Payplan rarely ever CCA. A CCA is a legal request to see if they hold the paperwork legally required for them to collect the debt. Welcome wont have it and will blag you as you have been blindly paying whatever they ask for, for 6 YEARS.

 

Get that CCA request off first thing in the morning. And as for your last sentence, please. Do NOT even CONSIDER doing that.


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

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how many other debts are you blindly paying and to whom?


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

 

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My other debts are payday loans, but I'm working on the compensation with them.

These were over a two year period 2010/11 when I ended up a single parent and got into arrears with everything.

 

 

Got evicted etc, so I set up the DMP, but still owe money to these companies.

 

Not sure if Ive been blindly paying them but I have paid the minimum with no interest and charges on top.

 

I will look for the CCA letter.

 

Thank you.


First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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For the template CCA request just click on the link. Paying a dmp has cost you a fortune. Consider doing this yourself...


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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I have been reading through my old paperwork with WF from February 2008. I noticed in the figures they have put a figure in for PPI £1441.28. I never noticed this during the application, my fault. I told them at the time I didnt want any protection as I work for NHS and get paid sickness at full for the the first 12 months and then a reduced amount thereafter.

 

I've paid over £8k on this loan and still another £2k to go, is it too late to claim my PPI back? and will this clear the remaining balance (ideally :) )


First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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I am reposting about this here. Got a loan with WF february 2008. Initially a 3 year loan, but I ended up in a payplan dmp and still paying this loan now and probably will be for sometime yet.

 

I found some old WF paperwork which shows PPI on the loan, I didnt request this, in fact I told them I didnt need cover working for the NHS I get sickness cover full pay for the first 12 months, reduced thereafter.

 

So I never realised I had got PPI cover on it, my fault I didnt check the paperwork properly initially but it is a bit vague on there.

 

Now I want to claim it back with the hope that I can clear my outstanding balance. WF have never defaulted the account and its still with them.

 

First, should I SAR them? as I have most of the details here? I find their statements difficult to understand and I am assuming the monthly capitalisation fee is the months interest applied.

 

Help, advice anything kindly accepted.


First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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All you have to do is send them a letter asking that they start an investigation into the PPI that was enrolled onto your account (try and give them as much info as possible regarding the date that you took the loan out) and they legally have to deal with your request. You do not need to send an SAR for them to look into it.

 

James


I used to be a Motor Insurance Claims handler, but due to redundancy I am now a Complaint Handler for a company that sold PPI

Please excuse any spelling or gramatical errors as I may be good at dealing with PPI claims, but I am C*** at writing

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Get a SAR to welcome and get reclaiming! Youre paying a debt you do not need to pay and infact They owe you hundreds, of not thousands.


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

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Does anyone know if WF send still send out a claim form for PPI?


First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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Have started my PPI claim, rang the FSCS number and now awaiting claim form. WF you have had enough money out of me its time to cough up!!


First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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You dont need a claim form. Get the SAR going, get the spreadsheet off this site and do it yourself


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

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Have started my PPI claim, rang the FSCS number and now awaiting claim form.

 

Good luck with that, keep us updated.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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