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

[cruzhughes]

Ok will do!!! Thanks for that!!!

[dx100uk]

https://www.moneyclaimsuk.co.uk/litigant-in-person-costs-and-expenses.aspx

 

Not sure if this is relevant???

[cruzhughes]

What about this

 

http://Https://www.lawgazette.co.uk/benchmarks/costs-and-litigants-in-person/5038419.article

[cruzhughes]

Do I need to be doing this to take with me Monday? I'm still unsure if I can or can't do it as it's small claims

 

Is it worth taking the loan agreement for £6000 in oct 2006 that corresponds with the legal charge date oct 2006 and the statement showing it was settled in April 2007 to court?

 

Why would a loan for only 6000 be sercured anyway???

 

There were another 2 taken out after this then the big one prime are after.

[dx100uk]

unknown wont hurt

 

as for costs..yes LiP costs can be claimed..

 

Standard costs....the only thing missing in that link I posted is £90 per day for lost earnings if working and had to take time off.

[cruzhughes]

My thoughts are if the judge queries the last paragraph of the letter where I asked prime how could they hold a 2006 deed of variation for a loan that supposedly started 2 years later in 2008.

 

I have it there to show him the 2006 loan account no matches the legal charge account no.

 

Whereas the 2008 doesn't as The loan they are after is a totally different account no isn't it.

 

I'm just trying to cover all bases.

 

Prime file is good to go as it is but think a small folder with official copies of land registry docs and older loan which is out of Welcome file my help if asked anything

 

Spreadsheet for cost or just a simple breakdown?

[cruzhughes]

D day has arrived again. File is ready to go and also have a small folder with some bits in too.

 

I haven't got around to completing the costs though

[dx100uk]

most important bit of paper is your costs

[cruzhughes]

I really haven't had the time I started it. But it's nowhere near completed. I was hoping it would have been done for me to show you and take it.

 

This as far as I got

 

March 6th Petrol to pick up post from previous address 2 miles 80 pence

 

Matrch 7th Research of CCA 1974 3 hours on internet

 

March 8th Letter CCA request postage £1.74

 

March 22nd Letter to lightfoots £1.74

 

March 25 Research similar cases 10 hours on internet

 

March 29th Letter To Prime Complaint Account in Dispute £2.08

 

April 24th Letter To Prime Complaint Account in Dispute – second request for information £1.75

 

May 15th Prime Complaint Account in Dispute – Third request for information including SAR £1.75

 

May 5 onwards Research similar cases 10 hours on internet

 

 

May 24th Court Hearing

o Petrol

o Parking

o Day off work £90

o Research of case

o Time

 

June 2nd Letter to Prime 2nd Subject Access Request Letter £1.75

 

June 29th Letter to Prime account in serious dispute letter £1.75

 

 

Aug 21st Court Hearing

o Petrol

o Parking

o Day off work £90.00

o Research of case

o Time

[cruzhughes]

What type figure would you say would be normal just handed letter in so I've got about 40 mins

[dx100uk]

have you had to take a day off work?= £90 per day

 

 

other costs - say 5hrs@£19p/h = prep of paperwork/responding to claim etc

stationary/phone calls etc £5.

[cruzhughes]

Litigant In Persons Costs Breakdown Total costs £ 889.46 is this too steep??

 

 

March 6th Petrol to pick up post from previous address 4 miles x 40p =£1.60

 

March 7th Research of CCA 1974 3 hours on internet £19 x 3 =£57

 

March 8th Letter CCA request postage £1.74

Time 1 hour £19

 

March 22nd Letter to lightfoots £1.74

Time 1 hour £19

 

March 25 Research similar cases 5 hours on internet £19 x 5 = £95

 

March 29th Letter To Prime Complaint Account in Dispute £2.08

Time 1 hour £19

 

April 1st Petrol to pick up post from previous address 4 miles x 40p = £1.60

 

April 24th Letter To Prime Complaint Account in Dispute – second request for information £1.75

Time 1 hour £19

 

May 5th Research SAR 10 hours on internet £19 x 5 £95

 

May 15th Prime Complaint Account in Dispute – Third request for information including SAR £1.75

Time 1 hour £19

 

May 24th Court Hearing

o Petrol 8 miles x 40p = £3.20

o Parking £1.50

o Day off work £90

o Research of case 10 hours £19 x 10 = £190

o Time 1 hour £19

 

June 2nd Letter to Prime 2nd Subject Access Request Letter £1.75

Time 1 hour £19

 

June 29th Letter to Prime account in serious dispute letter £1.75

Time 1 hour £19

 

July 5th Research 10 hours on internet £19 x 10 = £190.00

 

Aug 21st Court Hearing

o Petrol 8 miles x 40p =£3.20

o Parking £1.50

o Day off work £90.00

o Research of case 5 hours £95

o Time 1 hour £19

 

Total costs £ 889.46

[dx100uk]

yes couple of hundred IMHO

 

 

and I don't think you can claim for the other abandoned time either

not sure

let me see if andy is around.

[cruzhughes]

Ok I won't hand it in. Just printed it off. I'm here now just waiting....

[dx100uk]

andy says:

 

 

just a touch...needs to get it down to at least £600...reduce the 1 hours letters at@ £19 per hour

[cruzhughes]

I didn't hand it in. No costs were mentioned either

 

The judge was a different one to last time. I actually got called into chambers.?He was lovely.

 

He said he was glad to receive my letter as it give him some understanding that this was not a case of can't pay won't pay.

He can see there are issues that need resolving.

He also seemed to have good knowledge on Welcome finance..

 

He advised going to the ICO for non compliance of SAR however I have received this last week.

 

He also advised I can add things that were in letter to defence if called back again.

 

He said he's adjourning with liberty to restore but is putting a 12 month strike out date.

 

Is this good news??

[dx100uk]

yes very.

 

means theres an end in sight.

 

before you forget

get written up here all that he said about welcome and anything else relevant he said

verbatim would be nice.

 

dx

[cruzhughes]

He didn't go into much details but said about organisations that could help like taking it to FCA..

 

This is where I explained I'd been everywhere prior to the selling of the debt but due to welcome entering the scheme of arrangement no one could help as their hands were tied and normally they would all take it on.

 

I said about the liabilities been sold on/bought out... They didn't join it they paid into it.

 

He just generally spoke but said he couldn't give us legal advice but to got to CAB for them to pick at it. But I think you lot here have already done more the they could do.

 

He could have made an order for me to compile a defence but he said that it would start to incur costs for me and that he could see that i had plenty with the folders I took. I can still apply for a form to start compiling a defence in case it happens to go back to court.

 

He did say off the record ive done things the right way.

[dx100uk]

He can see there are issues that need resolving.

 

He also seemed to have good knowledge on Welcome finance..

 

expand on the above

couldn't have just said those two things

 

all this is going to be very useful IF they do re present the case...

[cruzhughes]

By what I'd put in the letter he had given him today before the hearing. As it had given him more insight on to the case in front of him.

 

The expression was enough. And then he said they paid in to the scheme of arrangement didn't join it?

[dx100uk]

And then he said they paid in to the scheme of arrangement didn't join it?

 

 

urm wonder what that means...

[cruzhughes]

What do you think it could mean?

 

Prime are actually welcome???

 

I've just come across something in sar which I think maybe relevant to the sale. This came last week and is post I never had as I had moved from this property last May

 

Just inboxed you it

 

Have just come across this online

 

http://blogs.lexisnexis.co.uk/randi/how-far-reaching-are-schemes-of-arrangement-re-welcome-financial-services-ltd/

 

Just a thought on letters I've sent you....

 

If Welcome turned that loan to 0% in July 2016 so that should mean that the £26,152.32 should be repayable at 0% .

 

Yet prime were claiming that amount of £26,152.32 was owed at £231.49 for 197 months. Which comes to a whopping total of £45,603.53??

 

So there's defo interest on that.

 

Another thing to unravel i think.

 

What about you?

[dx100uk]

that's the link andy gave us and I was trying to find it.

 

 

keep going

[cruzhughes]

Just as I thought I was due a rest my heads working overtime

 

Lehman Brothers were part of SPML weren't they and variations of eurosail which are now acenden and that who administers my mortgage on the house the ex lives in.

 

And prime and acenden are at exactly the same address

 

How is there this connection?

 

And how is this going to affect me and my situation

 

https://uk.practicallaw.thomsonreuters.com/Document/I093cc8713cbd11e498db8b09b4f043e0/View/FullText.html?transitionType=CategoryPageItem&contextData=(sc.Default)&firstPage=true&bhcp=1

 

This one is quite interesting mentions overseas company's

https://www.lw.com/admin/Upload/Documents/uk-schemes-of-arrangement-2014.pdf

[cruzhughes]

What happens after the 12 month strike out date and what could happen within the 12 months too?