Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***

[dx100uk]

sadly it wont matter she was a party to the loan.

 

 

they can still go after you.

[cruzhughes]

So I'm in exactly the same position that I thought I was in last year then?

 

Anything else I can do other than what I have done?

[cruzhughes]

You need to assemble the following pack to take to court:

 

Statement, signed

FSCS letter

Welcome letter

Letter you're sending to Alpha

Budget sheet

 

Write the case number on the top of al the copy letters and the budget sheet then staple securely together. Hand in to the court office. While you are at the court office, ask if there are any duty legal advisers in attendance on the day of your hearing. If so you will be able to approach them on the day and ask for their assistance - they can accompany you into the hearing and support your case.

 

All done and handed in to court. Putting it on system

No legal advisor there need to either go CAB or shelter Cymru for advice

[cruzhughes]

Just come home from holiday to this letter looks like they replied the day after I put it into the court. Where do I go from here? Thank you El-len

Lightfoots Response.pdf

[dx100uk]

brilliant

they don't like the lemon they've been sold

and rushed to court without actually reading anything.

 

 

wonder how many more of those 38 people they've done it too.

 

 

also interesting on the arrears.

they are not saying you must pay them. they are only asking...urm..

so again they are not too confident you actually owe ANYTHING.

 

 

when was the case scheduled?

[cruzhughes]

It was for the 24 May! Alpha don't seem to respond to anything I've sent them only issued the repo. It's almost 8 weeks now. Fingers crossed on the rest now. Thank you too dx!! And let's find this missing 8 grand

[dx100uk]

unless you hear otherwise from the COURT

you go.

it could be a very important nail it their coffin.

if it goes ahead

they don't turn up

and you do.

 

 

dx

[cruzhughes]

So I still go on the 24th and will get the opportunity to speak to the judge about the whole situation? Unless my local court send me anything out? Do I need to start to putting anything together

[dx100uk]

you never know..

wait and see.

[cruzhughes]

It's been a long old road this!!

[dx100uk]

if you look at the overall picture here....

 

'someone' or 'some organisation' has got to take responsibility for what has been allowed to happen here.

 

there is extremely clear evidence of

mass product mis-selling regarding various insurances

£1000's of various penalty fees we know welcome are renowned for.

irresponsible lending due to mass refinancing resulting in 9 loans from day one.

 

but no one,

the FOS/FCA/FSCS/welcome/alpha/ uncle Tom want to talk about it or make any recommendations

because welcome, the perpetrators, the one that should be dealing with it, have the perfect get out clause and have literally been allowed to wipe their hands of it all and walk away.

 

the only light was the FOS that said it might be best to let this get infront of a judge.

I think that guy got it right.

 

seems to be the way its going

 

it just might be the alpha want to resolve the missing £8k

however to me that letter doesn't quite read it to be that simple...

else they'd have specifically sad that

and not simply asked for the arrears to be now paid.

 

if the above were the case

then the £8k would simply be removed from the outstanding

the arrears would still exist..why stop the repo hearing..

 

just musings.

 

but I think something much wider is afoot and the smell of lemon juice is firmly up the nose of alpha

[cruzhughes]

I hope so dx. I really do! That letter was off their solicitors not alpha. Wait on alpha next then for more info. However they haven't been that forthcoming with anything really have they.

[dx100uk]

read the first 2 lines of the letter again.

 

 

dx

[cruzhughes]

The claimant wants to take a review of the account?? I would have thought they should have done that after the first letter I sent them and the 3 that followed before issuing the repo.

 

Or was that to apply pressure and frighten me? Cos it's worked I had a right meltdown on receiving it.

 

I thank you both for getting through the last few weeks.

[dx100uk]

alpha are quite well aware they have a lemon

and from day 1!!

 

its who blinks first...as it always is with debt buyers

 

they issued a speculative repo claim to pressure you

you [or more correctly Ell-Enn] bounced it back by saying really?... this/that is wrong

now go look at the account properly you fleecers I will not blindly give in.

 

the solicitors wont have a clue whats behind any of it

nor what their client IS going to do or not

 

hence they've 'been instructed' to adjourn the repo hearing.

they've been told to sit!.

 

they also have said 'IF' you have remaining arrears..so they don't know.

 

dx

[Ell-enn]

Thought that would happen -the court will have sent Lightfoots a copy of your defence - having read it they obviously thought they'd better not go to court till they've had a chance to check out what you've said

 

If the court grants an adjournment they will write to you to confirm. Then you wait to see what happens next ......

[cruzhughes]

Ok thanks for the pep talk and being here to help.

Do you think alpha/prime will write to me next with more info as adding more arrears and charges?

[dx100uk]

no it doesn't say anything like that.

 

 

dx

[cruzhughes]

Ok thanks I'll take everyday as it comes await post and keep coming back here. I know I went to court with defence but can I still log on online to see any further info

[dx100uk]

doubt anything would be on mcol for a repo...

its not a money claim.

 

so court letter confirming adjournment next I would guess

 

what date did you file you stuff?

 

dx

[cruzhughes]

Handed everything in to the court on the 26th they were uploading it straightaway lightfoots letter was dated the day after.

[dx100uk]

urm.. I've my doubts this is anything to do with your stuff to the court etc being filed..

 

me thinks this is to do with whats gone before and someone has actually read your previous letters

and the crap has hit the fan.

 

and that's even more positive than if it was to do the your court returns

[cruzhughes]

I hope so Dx I really do!! It's taken them a while to read the previous ones..

[Ell-enn]

Lightfoots would have a copy of the defence same day it was filed

[cruzhughes]

Thank you Ell-enn. Wish alpha would reply now to other stuff I've sent them in March. Fingers crossed and really hope they've reduced their figures by the 8 grand