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yes i have all the agreements and kept every letter from ccj and courts and ind even the emails.

 

Yeah the court was 2013

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

multipage doc then attach as PDF


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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


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Yeah i did they responded to me to say they cant find my account on there systems they cant do anything only IND.

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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


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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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 their for 6yrs

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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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


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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i dont think i even owe £5k all theses debt collectors are just greedy.

 

ok i'll upload all the documents and i'll block out my details and send them to you.

 

Thanks for your help

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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

 

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


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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PDF please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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:

 

cause i was stupid and young oh well i cant do nothing now i'll just pay it all off each month,

 

thanks for the help

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


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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

 

it wont do they will refuse it.

 

thanks though much appreciated should of done it when i was young

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Not down to them

Goes before the court


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Can you scan up the full agreement please

We might be able to work out the ppi


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Not down to them

Goes before the court

 

so wait even though i have offered them £1000

the court can decide if they can accept it

or not even though the debt is £5k ,

 

ok i'll upload the full agreement

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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 DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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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.

 

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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