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Welcome/HEGARTY/IND CCJ £2k Loan now £5k judgement. sold to intrum


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it would be worth it to scan them all up to ONE

multipage doc then attach as PDF

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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  • 2 weeks later...

Just an update @dx100uk

 

Welcome finance is no longer have my account and they asked IND to send me a statement which they have

but it only shows when welcome finance sold the account to IND £4,362

and then IND added all the court fees and their own interest

 

I've had enough of theses greedy people

i've made a complaint to FCS and welcome finance

i've just got forms from FCS to fill out and do a case of the complaint and get this investigated.

 

In the mean time IND has sent me a income and expenditure which i will need to fill out and start again paying......

 

any ideas?

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you send welcome an sar

they CANNOT refuse it.

its a legal document.

 

 

they are hiding something

 

 

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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Share on other sites

my account?

 

yu had numerous welcome loans.

I hope you didn't put any account numbers on the sar?

you want ALL the info they hold on YOU

not ONE account.

 

something smells here

they are hiding something.

 

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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Share on other sites

No i only had one account with welcome finance it was only £2000 but with the charges and statements it was £4k but then in 2013 they sold it to IND and its £5132.

 

No i didnt put any account numbers on i asked for all the info they had and then i got an acknowledgement letter and few days later i got a reply saying they cant find my account on the system as its been sold to IND,

 

i dont want to deal with IND no more.

 

I've made a complaint

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sorry by 'all the agreements'

I thought you have more than one loan.

 

agree with you about ind.

 

however you do realise by paying this it WONT remove the CCJ

paid or not

its there for 6yrs

 

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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Share on other sites

yeah i'll start paying them filling out.

 

My you still not helped me or answer any of my questions.

 

i need to know if i can fight this at the courts or get it some how reduced. except get a sar.

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you need all the statements and prove the debt was PPI/charges etc etc

can you scan the agreement up please?

 

then you can get reclaiming.

 

you could do a variation order

to reduce the monthly payments.

 

but I don't think you even owe £2000!

 

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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Share on other sites

  • 3 weeks later...

Hi Dx,

Just had letter from welcome finance

all they said they had was a credit agreement but no statement as back in 2011 they sold it to IND,

 

But IND have sent me their statements where it shows where they brought the debt

and how it shows charges and interest they have added.

 

do you want me to upload and show you....

 

also i have noticed part of my address is wrong the "postcode" on the credit agreement.

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postcode wont matter

but yes lets see the statements from ind.

upload

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

Useless really as you say

 

Why oh why did you not do as you were told at least twice in 2013 and send that sar off,.......

:frusty::frusty::frusty:

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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Share on other sites

You could try and vary the amount n245 I think £50

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

Not down to them

Goes before the court

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

Can you scan up the full agreement please

We might be able to work out the ppi

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

have a read up on variation orders use our search cag box of the red toolbar up top

 

 

the court wont decide on an F&F but a PCM offer.

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

Well I've been summoned back to court

received a letter last night even though i pay £50 yet again they have added £300 interest and court fee inc.

 

they asking me to do a income and expenditure form a

nd asking me how i can afford to offer £3,000 to clear the balance from help of the father in law and fiancee

 

oh well thanks for the help I'll go back and offer £800 a month just get rid of it...

 

i guess there nothing else i can do appreciate your help

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  • 6 months later...

Hi dx100uk,

Just an update on this,

 

I got £750 ppi reclaimed back and it went straight to stupid debt collectors IND

yet they still added on their fees and im still paying £50 per month.

 

i've made a complaint to welcome finance to hopefully get this final over

Its causing me to get a mortgage with ccj but this morning i got a reply

 

RE: Welcome Finance

I

INFO

Reply|

Tue 31/01, 16:15

You

You forwarded this message on 01/02/2017 08:11

Dear Mr

 

Thank you for your details.

 

Unfortunately, Welcome Finance no longer have ownership of your account.

Your account was sold to IND in June 2016, therefore, we have no access to your up to date account.

 

Please refer back to IND and request their complaints procedure.

 

Apologies for any inconvenience caused.

 

Best regards

 

Customer Resolutions Team

Customer Relations

Welcome Financial Services Limited

Ruddington Fields Business Park

Ruddington

Nottinghamshire

0333 99 9510

[email protected]

 

the debt is well over 4 years old now from ccj record 23/07/2013 on my noodle account.

 

so either welcome finance is lying cause on my record it says 2013 or ind is lying they brought it in june 2016 which i had the debt way before then

 

theses people love to mess people around and mess with their heads.

 

i think i should take this to finance ombudsman see what they say,

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  • 2 weeks later...

Hi Dx100uk,

Just thought i chase this one up with finance ombudsman, I get this reply.

 

Dear

 

I’ve been allocated your complaint about consideration. I tried to call you today, but there was no answer, so I’m emailing instead.

 

I do already have the information I needed to give you my view on your complaint. I’m sorry to advise that yours is not a case I can fairly consider. This is because it’s not possible to achieve the resolution you’ve asked for.

 

On your complaint form you said you’d like the following resolution:

 

But it would not be possible for Welcome to do this as they no longer own the debt. Any adjustments to the amount owed would need to be made by the current debt owner – IND – but it appears you are not willing to deal with them.

 

For Welcome to be able to adjust the amount owing, they’d first need to buy back the debt, but this is not something we could say they should do because of a court approved scheme.

 

In summary, I’m afraid this service cannot take your complaint against Welcome any further. It’s possible we could look at a complaint against IND, but please bear in mind that we would not question or review any decisions made by the courts.

 

I’m sorry to be the nearer of mad news, but I hope I’ve explained clearly, why I’ve come to my view.

 

If anything is unclear or you have any questions for me about what I’ve said, please get in touch by 16 February 2017.

 

Kind regards

 

i think IND is a joke adding in all their fees (court fees, interest i had a full report on this now and a complaint "this debt is now over 6 years old"

 

i've given them £800 in total and offered them money and yet still refused"

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