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

[dx100uk]

you sent a letter of complaint about the whole thing dated?

 

 

refer to that letter, even inc it then state about the bogus court date

[cruzhughes]

Thats was early march. Same one that got sent to Welcome. Is that letter above ok to add things to?

[dx100uk]

add to the end.

 

I also bring to your attention my letter of march

whereby I outlined my full complaint to you.

 

the whole debt and the resultant charge is entirely bla bla bla

 

put the pressure back on them

[cruzhughes]

Great thanks I'm on it

 

Do you think I should add something along the lines of I believe all the above is why this debt got passed to you the minute I put the original irresponsible lending and penalty claim to welcome in sept 2016 and it was sold to you immediately.

[dx100uk]

sold to you no passed.

drop the hot potateo quick

I wonder if that other person here is on that list of 38 others?

[cruzhughes]

Dx you'd love that, I can feel your excitement from here. Just emailed you both word doc

[cruzhughes]

Do you think it's good to go? I need to add sold.

 

But what about this as I think it may be too much info.

 

The charge you hold refers to a debt dated 19/10/2006 for £8019.62 which had £1485.75 PPIicon £175 personal accident plan and £3339.03 Intrest added. I have paid over and above this figure.

[dx100uk]

wouldn't bother save that for court if itever goes back there.

again proves they aint got a clue about wha they've purchased

just hoped that you'd be like the other 38 mugs and blindly pay.

[cruzhughes]

Don't bother with post 665? Or the letter?

[dx100uk]

your addition

[cruzhughes]

Ok was a bit confused then. As long as you think the doc i emailed is up to scratch it will be going off tomorrow. Another letter which I'm not banking on a reply to though... lol

 

Has Ell enn been on here

[dx100uk]

just not the addition you posted here

get on with it..

[cruzhughes]

Ok will do!!

 

I wondering what the surname is of the other one on here and if they are on the list I don't think I should have been supplied with from LR?!

[cruzhughes]

Here it is final one. Is it ok?

 

Dear Sir/Madam,

 

Thank you for your letter dated 21/07/2017 the contents of which have once again been noted.

 

The statement you have provided is still incorrect as you have not removed all the said fees. You have also have 2 credits on there a cheque receipt for £1.00 on 13/03/2017 and another for £9.00 on the 17/05/2017. This payment totalling £10.00 was for a Subject Access Request and not to be credited to the account.

 

I would like to remind you that you are in default of providing this the 40 days were up on the 24/6/2017.

 

On 30/05/2017 you wrote to telling me you wanted to close the matter as you could not trace receipt of the requested information. However you had cashed the cheque enclosed with my letter above 13 days prior. A second request for this information was then made in letter dated 02/06/2017.

 

You are still in default of providing me with this Subject Access Request.

 

I would like to bring to your attention the last paragraph in the said letter about you instructing solicitors on 11/07/2017 and for me to disregard this action as it was carried out in error. So can you please explain how I have received a letter from the courts stating this hearing has been restored to 21/08/2017.

 

Further to this Lightfoots Solicitors have sent a letter to the owner occupier of my old address on the 26/07/2017 giving notice of possession proceedings 5 days after your letter to me.

 

The District Judge stated in the previous hearing the whole thing needs to be reviewed which I don’t think you have carried out.

 

I would also like to bring to your attention that in every correspondence you have received from me since March 2017 requesting information. Your responses has either been unsatisfactory or you have totally failed to provide any evidence of anything I have requested from you. Every letter I have sent to you a member of your staff has signed for. I have electronic proof of each delivery showing signatures and the dates. These consist of

 

• 08/03/2017 - CCA Request

• 25/03/2017 – Account in Serious Dispute Letter

• 29/03/2017 - 2nd CCA Request

• 24/04/2017 - 2nd Request for Account information

• 15/05/2017 - 3rd Request for Account information and 1st Subject Access Request

• 02/06/2017 – 2nd Subject Access Request and response to your letter dated 30/05/2017

 

You have failed to provide me with any evidence from the list above. Further to that there has been no Notice Of Assignment or even a Credit Agreement for the debt in question. Yet you have still accepted a payment for £8,163.29 due to previous complaints of miss selling of PPI on loans owned by Welcome Finance.

 

I am requesting you remove the charge and write the bogus debt off. My evidence has been clearly submitted many times. I also bring to your attention my letter off 25/03/2017 whereby I outlined my full complaint to you in regard to the whole debt and the resultant charge being entirely made up of numerous penalty charges for all manner of indiscretions and other insurances and Mass Irresponsible Lending, forcing the roll over of loans without doing the required affordability checks. Some only months apart.

 

Again if all these and their interest were taken into account this even further exceeds the sum outstanding

 

The account was already in serious dispute with Welcome Finance. This debt got sold to you in Sept 2016 which was almost immediately after I put the Irresponsible Lending and Penalty Claim to them. At no point could they substantiate the amount they said I owed to them for 6 months prior to this. If they were able to prove this don’t you think they would have pursued it not sold it to you?

 

Once again I request you remove the charge from my property and null any balances as you are totally unable to provide any documents proving the sum outstanding or how you could hold a 2006 deed of variation for a legal charge on my property for a loan that supposedly started in 2 years later in 2008.

 

I thank you for your time look forward to hearing from you within 14 days.

 

 

Regards

[cruzhughes]

It's gone in the post.... sit and wait again.

[cruzhughes]

Just got home to this. Dated same day as solicitors letter to old address. What's your thoughts? The wording doesn't seem right to me

Prime 26th July.pdf

[dx100uk]

per I don't think they have scoobies how UK laws or credit really works in the UK

 

 

that they've been able to get away with this for so long

its like 2nd nature to them

we can throw out whatever threats we like and 99% of the mugs we have on our UK books cough up whatever we write

 

 

the case is subject to suspended court case

which they've failed to comply to the judges orders yet

[cruzhughes]

I hope they enjoy reading my letter as much as I did writing it when they receive it tomorrow..��

 

They've added more fees too

[cruzhughes]

Do they share stuff with solicitors then. Cos surely they should advise accordingly on the case in front of them. And where prime stand what they can an cannot do

[dx100uk]

i would suggest its simply lettereheads in the same printer

[cruzhughes]

In your opinion do you think they will go to court???

 

 

Cos surely from everything I put in that letter if a judge was to take a look at that.

 

 

It's got to be bad for them?

 

 

How on earth can they justify the lack of correspondence?

[dx100uk]

wont go anywhere near one.

I really do think they've not an idea on what they should be doing or should not be doing.

 

 

its a forign owner being guided by fools in the UK that simply want to earn money out of people that don't knowhow the UK legal/debt system works.

 

 

IMHO alpha/prime have been conned here into the mass welcome debt sale that they were told was worth £1M's.

 

 

dx

[cruzhughes]

Do you mean they won't turn up but the hearing is still on and I go?

 

Where does that leave me and the other 38?!!!

 

I wonder if they are even fighting?

 

Something's got to give soon. It isn't going to be me.

[dx100uk]

until you are told by the court that you don't need to attend as the case has been dismissed you go.

 

 

you simply refer to the last court case and what the judge ordered

and that that has not be complied with

 

 

dx

[cruzhughes]

Ok great what do I need to be putting together? Every letter I've sent them? Their responses? Will I need another statement