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

[dx100uk]

Or do I send a covering letter saying they misunderstood my request nor do they require a signature for the CCA

 

 

yes

[cruzhughes]

They are quite interested in my signature they've asked for it twice already to confirm my address and this now.

[dx100uk]

oh no you don't so that

 

 

it could pay you to print out our CCA request

and send that stand alone.

 

 

along with a covering letter stating you have already paid the £1 fee and they have ack'ed they have cashed it.

[cruzhughes]

Ok that's what I'll do tonight. 2 letters in same envelope. Try again I hope I haven't buggered things up now by sending the account in serious dispute letter in post 333 yesterday.

[dx100uk]

no ofcourse not...

[cruzhughes]

What about this it covers all bases

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?182727-no-reply-to-CCA-request-help-with-next-stage-needed&p=1973559&viewfull=1#post1973559

[cruzhughes]

Is this ok?

 

 

Dear Sir/Madam

 

Thank you for your letter of 24/03/2017 the contents of which have been noted.

 

I'd like to draw your attention to the fact that the Consumer Credit Act 1974 does not require that I supply you a copy of my signature. If it is for Data Protection purposes then I can supply you with documentation to substantiate my identity to you.

 

You have failed to respond to my legal request to supply me a true copy of the original Agreement for the above account.

 

On the 08/03/2017 I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77) and enclosed a £1.00 postal order for this purpose.

 

On 13/03/2017 a member of your staff signed for delivery of my written request and I have an electronic proof of delivery showing their signature and the date.

 

To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents.

 

These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974.

 

In my letter of the 08/03/2017 I made a formal request for a copy of the signed, executed credit agreement for the above account under section 77(1) of the Consumer Credit Act 1974. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you enter into a default situation.

 

These limits have expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

[dx100uk]

stop using a bulldozer when a pointed finger will do.

 

 

along with a covering letter stating you have already paid the £1 fee and they have ack'ed they have cashed it.

[cruzhughes]

Ok I'll cut that down to the the first few paragraphs. Sorry

[dx100uk]

no one simple line!

[cruzhughes]

This prime/alpha are going to have a field day with all these letters this week!! They won't know what's hit them. But I'm praying welcome decide to buy it back.

[cruzhughes]

All gone in the post. What do you think the next steps likely to be from alpha?

 

Second SAR already gone to welcome and I am 21 days into that. Looking foward to seeing what's changed since I received the last one last March.

 

Do I get a SAR ready for alpha at a later date?

[dx100uk]

not a lot of point

[cruzhughes]

Ok. Where do you think they are going to go with this?

[dx100uk]

saw the figure thought they'd try their luck.

 

 

have you found anyone else in the same boat on the net.

[cruzhughes]

I've read the link to post you sent.

 

But I would love to know who's pocketed the FSCS money.

 

You think common decency would have been an acknowledgment of receiving funds.

 

Or even a reply from the FSCS to all the questions I sent them.

[dx100uk]

on that list way back of other cases sold to alpha

there was a list of others too

mass mailing time?

[cruzhughes]

The stuff I had from the land registry you are talking about?? With names and addresses? What are you suggesting? Mail who? And say what exactly?

[dx100uk]

sorry wasn't you I don't think now..

I though there was a sheet which contained your address and numerous others that was used to 'in bulk' switch the legal charge over to them

[cruzhughes]

Yes there was I pm it to you a4 with lots of other names and full addresses on. It was on the official copies from LR that I paid for. Just re sent it now.

 

What are you thinking?

[dx100uk]

I was just wondering if they might ne in the same situation

if all these debts that were sold on and were all duff...

[cruzhughes]

There may even be some of those people on this site already??

[dx100uk]

i doubt that I can find no other people on the web at all talking about alpha prime and welcome

[cruzhughes]

The time will come with all them names I'm sure. They may not as been as lucky as me to find this site. Yesterday's 2nd cca and covering letter was signed for this morning

[cruzhughes]

Another letter from prime today. This would be in response to account in serious dispute letter about welcomes IR and penalty charges or just the letter notifying them of correct adress.. They still want a signature? What do I do?

Prime 30 3.pdf