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

[dx100uk]

What happens after the 12 month strike out date - they lose

and what could happen within the 12 months too?

they have liberty to restore

[cruzhughes]

Right so they would have to pull something out of the bag to take me back within the 12 months?

 

Will the charge be removed after the 12 months is up?

[dx100uk]

the charge is something sep sadly

the court case is solely regarding the eviction..

[cruzhughes]

Fingers crossed they take heed of last letter to them....

 

Is there any other avenue I can go down to get the charge gone?

 

But surely I can use the fact that primes calculations are still incorrect as the amount they say is owed should be interest free?

 

I'm also thinking that it's a possiblitly prime are the ones that have bought in to this scheme of arrangement as they were a creditor to welcome so they may have been given the portfolio of debts to collect as they themselves were owed money.

 

Or am I reading the links wrong and braking up wrong tree here

 

Dx have a gander at this

 

https://repossessions.wordpress.com/2007/11/29/uk-land-registry-used-by-sub-prime-lenders-for-sham-claims/

[AndyOrch]

Dx have a gander at this

 

https://repossessions.wordpress.com/2007/11/29/uk-land-registry-used-by-sub-prime-lenders-for-sham-claims/

 

Nice find cruz.....keep that safe.

 

 

Andy

[cruzhughes]

https://www.gov.uk/government/publications/discharge-of-charges/practice-guide-31-discharges-of-charges

 

Could I got down this route?

 

Shall I send this to the land registry??

 

I need some help and advice on a legal charge in section C no 4 dated 21/11/2006 I have the official copy of this from you and there's a loan no attached to it. The loan this corresponds to was a loan taken out in oct 2006 and settled on 3/4/2007 for £7,790.75

 

However the charge was varied by a deed of variation dated 17/09/2016 which I also have a copy of. Same details as above.

 

The company alpha credit solutions are trying to collect a bogus loan that they say was taken out in 2008 with a totally different account no and amount to the one that refers to the legal charge dated in 2006. They have also tried for respossion.

 

The 2006 loan was paid off in 2007 I have proof of this. The original company Progressive finance are insolvent. How do I get this charge removed?

 

They have also tried for repossession. As they now hold a charge on my property. Which I believe they shouldn't. On my official copy from you I hold numerous people's personal information that is on the back page of the deed of variation. This seems to be purchased as a portfolio of debt.

[cruzhughes]

Further reading and updates to link Andy/dx

 

https://repossessions.wordpress.com/2007/12/05/land-registry-aids-sham-lender-in-repossession-case/

 

https://repossessions.wordpress.com/2008/01/09/land-registry-aids-sham-lender-in-repossession-case-update/

 

Just thinking Prime always take a lot more time to reply to me than 15 days. If they are that ignorant with LR I maybe in luck?

[cruzhughes]

What's your thoughts guys on sending the land registry an email raising all the points above?

 

Could it do any harm?

[AndyOrch]

Wont harm your position

[cruzhughes]

Nothing to lose and more to gain I suppose?

 

There were 3 loans after the 2006

one the 2007 one settled the 2006.

There was another rewrite in 2007 after that.

Then then one that Prime are trying to collect in 2008.

 

Will that make any difference?

 

Email sent they hope to respond next working day or 5 days at the latest!

 

What on earth is going on with these muppets???

They sent this the day after court.

They are instructing field agents now.

Shall I write back to them what shall I say?

 

And if a field agent turns up what do I say to him

Prime Aug 22.pdf

[dx100uk]

:lol:PC generated

be interesting to see what address he goes too....

 

you could write and refuse if you wish NOT CANCEL

ofcourse you already know the fees are unlawful.

[cruzhughes]

Anything else to go in there? That letter came to me,

 

Don't forget I've received SAR do I need to respond about that. And the other matter of someone else's info in there.

 

Do I mention Court case

 

Are you saying just let the fees clock up

[dx100uk]

if its to you I wouldn't bother doing anything then.

the fees are going up regardless

its just a money making exercise

[cruzhughes]

This is where we are at

 

They bought a debt

 

They are chasing money.

Which was brought to my attention last week has been interest free since last July.

So what they are after is still wrong.

How can I be breaking terms and conditions of a loan which is in serious dispute?

 

They have issued repossession twice and adjourned it.

Even in the defence statement I offered to pay £50 towards the arrrears

 

At no point have they written requesting I start paying them asap and when the 1st payment is due.

I've only had texts and a few phonecalls I've not answered.

But in one letter in July it says that my proposals have been passed to the appropriate team who will be in touch. They haven't

 

I'm just baffled with the whole thing.

 

They have failed to respond to things.

 

I can't see how they can justify what they are doing with their statements and all these add ons while it's been going through the court process.

One that they haven't even wanted to attend.

 

Just had this of Land registry.

How should I reply

 

entry C4 on your title relates to a charge you took out with Progressive Financial services who subsequently went into Liquidation and a portfolio of their charges (over various properties) was sold to Alpha Credit Solutions on 17 September 2016.

 

Once a charge is paid the Loan Company should apply to Land Registry to have the charge dis-charged from the title. You will need to seek Legal advice on how to have this charge removed if it has been satisfied.

 

There is no entry of a charge dated 2008 in favour of Alpha Credit on your title so they would not be entitled to repossess your property.

Yours sincerely

 

What about this

 

But alpha credit do now have a deed of variation for a charge dated 2006 . So how have they got this deed of assignment?

 

I have been to court twice for possession with them.

Once this week and once before in may. They have adjourned both times before the hearing as I have submitted lots of evidence towards the 2008 debt they are claiming they are owed being bogus.

 

This 2008 debt was in serious dispute with the previous company prior to it being sold.

 

Is there anything you can do to make Alpha prove that the 2006 charge should be on there in their name with this deed of variation.

 

 

As it seems to me this has been put on my property without any proof whatsoever of the registered debt is either real, legal, or enforceable.

 

And they are trying to claim a debt that has nothing to do with this charge as it was apparently taken out 2 years later.

[cruzhughes]

I've sent another email to land registry with my queries.

 

Do I need to be writing to Prime at all mentioning court, replying to SAR they sent and requesting they remove the charge again?

 

What do you think they are likely to do next

[dx100uk]

id not be poking prime

 

 

lots has gone on

settle and regroup yourself now

 

 

focus on the important battles with them

[cruzhughes]

I don't undersatand what your trying to say dx?

[dx100uk]

id sitback and let things settled now

lots went on.

 

 

dx

[cruzhughes]

I hope things do settle. However I can't see things being that simple.

 

But at least if they do go back to court. Ill get the chance to submit a new defence won't I?

 

What are the important battles with prime?

[cruzhughes]

Dx I've been looking through my old Welcome SAR

On 11/10/2001 took out a loan 851 for £7369.39 which had £1473.22 PPI and £130.00 Medicare added to it

 

On 10/06/2003 this was rewritten to 769 for £9809.68 and £1804.68 PPI.

 

On 31/03/2005 this was rewritten to 978 for £11423.67 and £1108.79 MIF.

 

On 14/07/2005 this was rewritten to 216 for £13886.71 and £1352.87 MIF.

 

On 29/12/2005 this was rewritten to 722 for £14792.00 and £1442.59 MIF

 

This loan was totally was settled 21/2/2006 so charge in 2005 should have totally been taken off property here.

 

Yet On 31/10/2006 a new loan was taken out 257 for £8019.62 which had £1485.75 PPI, £180 life-care and £125 homecare with £2768.59 interest added to it. No MIF but charge put on land registry sercured loan was only £6000??

 

On 03/04/2007 this was rewritten to 303 for £14602.15 which had £2425.15 PPI and £175 personal accident plan with £3339.03 interest added. No MIF and no new charge applied

 

On 05/10/2007 this was rewritten to 661 for £26741.20 which had £4506.20 PPI and £10342.54 in interest added to it. No MIF and no new charge applied

 

On 30/08/2008 this was rewritten to 984 for £30514.32 which had £2,307.70 No MIF and no new charge applied..

 

Do you think it's worth writing to welcome again?

 

Or is there anywhere else I can take it I know FOS won't touch it as there's already been court action

[dx100uk]

I believe that the charge from 2006, as that original loan was then rewritten several times..covers them for the 2008 agreement they are litigating upon?

p'haps andyorch will see this and clarify....

[AndyOrch]

I believe that the charge from 2006, as that original loan was then rewritten several times..covers them for the 2008 agreement they are litigating upon?

p'haps andyorch will see this and clarify....

 

Im not sure what you wish me to clarify DX ?

[dx100uk]

the org secured loan was by progressive finance in 2006

resulting in a charge being registered by them at that time

 

 

this loan was rewritten several times under welcomes name

then sold to alpha/prime etc

 

 

alpha have purchased/quoting/litigating against a loan of a differing agreement number in 2008 [one of the later welcome rewrites] & had the 2006 charge enter varied to their name

 

 

does the registered charge from progressive finance in 2006 cover/run/enforceable thru all the welcome rewrites, and thus cover/run and can be enforced by alpha/prime, hence the 2 attempted repo/evictions?

 

 

there is a hidden copy of the deeds here too

[cruzhughes]

But going on paperwork I have they don't seem to have lodged anything with the LR on any of the 3 loans after 2006. But the 2008 loan no does not even correspond with 2006 legal charge account no.?

[dx100uk]

a charge on LR [or restriction as it states] never has ref to agreement number nor amount AFAIK