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    • is he the joint owner of the old home?  
    • Hi BS,   In post #1 you refer to the m/ship "........for now over 12 month period ........" and also,  "........ experience over past 2 years with DL has been shocking ........"   1. Can you confirm when the current m/ship started ?   2. Can you explain a bit more about the freeze due to surgery - like who needs surgery and are they talking about freezing the m/ship for the whole family ?   DL are not good about freezing and allowing you to use a freeze as part of their 3 month cancellation period. However, we maintain that their 3 month notice period is excessive.   So, before we offer suggestions for your best move can you confirm, do you want to maintain the m/ship to use after someone's surgery; or do you want to cancel the m/ship asap ?
    • they not get back together  dx, that was final nail in the coffin so to speak, they not really been together for many years, him being on furlough  did not help, etc, so no he on his own now    Thanks all for the the help, I will pass the info onto to him, when I see him     Sandy xx
    • As the others say, you need to reply to a Letter Before Claim as it's a formal notice of intention to start legal proceedings.  You need to show them you've sussed their claim is pants and they would have a real battle on in court.   You can either ridicule their claim as it is ...   ... or else name the driver.    If he was in the UK they would then leave you in peace and hassle the BiL.   However, as he's in Italy there is very little they can do to him (I know, I live in Italy too!) so, as dx hints, they are likely to try to invent some stupid reason to continue hassling you.  It'll be "too late" to name the driver.  Or they "are unable" to accept an address in Italy as they can't work out how to use the Royal Mail site and buy the correct postage stamp.  Or some such rubbish.   You need to decide about the BiL.    
    • creditfix did him a favour!   there is nothing to complain about other than they encouraged him to blindly pay loads of debts , running the Statute barred date to infinity on debts that he most probably doesn't even NEED to pay and never did.   get him to ask himself this questions SD.   if he REALLY did owe the money WHY did the original creditors sell the debt on for peanuts to debt collectors (typically <10p=£1) and not take him to court and CRUSH HIM.   he has been cash cowed blind by the system for i bet 15+yrs any debt that is with a DCA tell him to STOP PAYING.   go back to his wife and tell her he made a mega mistake by going to sort his debts out as they were not owed in the 1st place.    
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Welcome secured loans/charge - sold to Alpha/Prime -repo received - ***Claim Dismissed***


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so there is a charge, regardless to what ever loan it is associated too.

that's is and will obv cause you an issue

 

but what i'm eluding too

is that there might be a case here to write to welcome

and state you want the charge removed and all debt written off

in relation too all the reclaimable stuff.

 

welcome are to all intent and purpose dead in the water

any reclaim, they will refer to their insolvency

and faff you off, still owing money

and still having the charge to settle if you wee to ever move or try and remortgage.

 

they might bite at that.

 

just muzings...

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Could you please help me with this?

How do I word it??

 

As if it's off the 2006 loan it is a substantial amount.

 

I wasn't sure if the 2008 one would show the 2006 settled and maybe I could show that to land registry?

 

Do I still need to go down the fscs route also?!

 

As I know some of old ppi was from 2001 and 2003

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right now you're thinking..

if we can prove the 2006 charge was settled the charge must be removed.

 

so..

can we be sure on the details of the charge on LR?

can you email me the unreadted entry that shows it corresponds to the 2006 settled loan?

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

I'm unsure what I think.

Everything I have I've sent to you.

But will go back through Tommorow.

 

I have the land registry documents too as I paid to get them last year when I was trying to find out about other debt that I didn't know about.

 

As for my house I don't live there anymore my ex wife does with the kids

the Morgage is solely in my name and interest only .

 

I have 15 years left and 70 grand outstanding house is most probably worth 110 grand at present.

 

My youngest is 10 so she'll be there a good few years yet but she isn't in a position to get a Morgage she only works part time and I'm not too keen on remortgaging to repayment as she is paying it at present.

If the payments went up and she chose not to pay.

 

I wouldn't be able to cover the difference and pay rent elsewhere.

I've also requested a sar from Morgage company

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sorry either you or me are losing the plot...

 

your speak of ' a charge that welcome has'

that it exists...

and refers to a 2006 loan

which we believe, that loan has been settled.

so the charge should no longer be showing...

 

I don't understand your last posts relevance at all...

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

I was trying to give so some background on Morgage situation

as well I need to find out a few things on that too as my Morgage is almost double

to what I originally borrowed 10 years But that's another story and I'm waiting on info for that.

 

I have no interest in house and wish it could be just handed over to her but she can't buy me out.

 

Here's land registry documents b4 has since been removed and c5 was a home rights charge my ex put on that's removed also now.

 

Pm you'd too

 

How would I take the first steps in reclaiming and getting rid of charge?

Land Registry.pdf

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with the info from the sterling work I'm upto is finished:lol:

 

I can see no charge in welcomes name

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

No it's progressive finance.

 

I appreciate every bit of advice and help and the time it's taken you to sift through it.

 

I thought I was going to be banging my head against a brick wall and didn't see what route I could go down

as the whole thing is mental.

 

I've spent the last 9 months trying to piece things together and finding out as much as I could

but working totally blind until you've stepped in

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don't worry we'll get there

yes its progressive

but the following which were rewrites are in welcomes names

so

how can the charge which is in progressives name be in welcomes name --anyway

 

 

leave it with me.

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

Yes

Needs investigating

You are not alone

There's another user posting here now too about it

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?461331-Welcome-finance-secured-loan-help-needed&p=4928548#post4928548

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

omg the plot thickens!

 

I've sent an oc2 form to land registry to see if they can give me anymore info on the 2006 progressive finance charge. Will keep you updated.

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what are the years of these agreements

cant read them

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

one is Account ending 303 and looks like it's 26/03/2007 and

 

the other agreement ending in 257 it looks like 19/10/06

 

will confirm this evening as not clear on real life documents as I had a problem with those 2 when I put the sar in date order

 

I have checked the 07 isn't clear on actual document

but going with everything else in that account no everything else is dated 26 and 27 March 2007 and it all tallys and

 

the second one isn't clear but believe that to be 19/10/06 and that ties in with everything under that account no

 

I've had the forms of the fscs back.

 

Shall I start filling them in?

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What PPI?

I'm not far behind you

Coming to the conclusion that if you add up all the insurance PPI etc

That equals more than the charge

 

Ask them to remove the charge and call it quits

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

Link to post
Share on other sites

do you know if it IS actually the FSCS you are dealing with on that or the welcome staff that are operating under their guise?

at one point the welcome staff were awarding FSCS style 90% refunds

 

 

I'm knocking up a basic history and point now

but there are simply so many purposeful mistakes in the welcome statements to hide things and make it difficult to decipher that its slow going.

not far short now i'm a bit clearer of my own issues this last few days.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

I heard about the 90%.

 

It's quite a big ppi form too not like the others I've done.

 

Well dodgy company I'd say.

 

Thank you for going through everything so thoroughly for me.

 

And helping me out on this.

 

The outstanding loan is quite high too isn't it?

 

Land registry document back it's the 2006 loan.

 

No figures though.

 

Will I be going to fscs or straight to welcome once you've done the basic history and point

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yep got that big project on cag out the way now

so I think im almost there

 

 

dx

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

Just thinking about this whole welcome mess.

 

 

Just for you to know

I sent a debt in dispute letter back in March

after which they sent a demand for money

not a proper default letter.

 

 

After this I sent a cca request

they did not comply with this.

 

 

They wanted a signature.

I wrote back stating that the consumer credit act does not require one.

 

 

After this I received a sar did not request one.

 

 

Ain't heard a pip since April.

 

 

Does this make a difference to claim

do I put the claim for all loans or all the loans before the last one in 2008.

 

 

As I disputed the debt before I found out about all the others before

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the way that I am looking at it is ALL loans are in dispute as they were ALL a chain.

 

 

i'll have the history done soon - again hopefully by the W/end

its just things are very problematic here with with being able to spend 'a large block of time'

in the unravelling of all the info.

 

 

as a taster

 

 

notes.

£196.89 PCM settled for £4691.05

11-10-01 £5000 loan

11-10-01 £1603.22 INS PPI prem ADV [debit]

11-10-01 £765.11 Disp of FEES [debit]

 

 

10-06-03 £1804.68 INS prems [credit]

10-06-03 £1005.00 FEE Disbursement [Credit]

10-06-03 £9809.68 Loan Disp [Debit]

10-06-03 £4691.05 Settlement/payoff

10-06-03 £627.93 Ins Rebate [credit]

10-06-03 £342.84 fees rebate [credit]

10-06-03 £1804.68 INS PREM ADV [debit]

10-06-03 £1005. Disp of FEES [Debit]

10-06-03 £7000 LOAN DISP to Cust

 

 

31-03-05 £11423.67 rewrite disp

31-03-05 £1343.79 FEE Disp [rebate]

31-03-05 £10079.88 Settlement payment credit

31-03-05 £511.50 Settlement penalty interest Debit

31-03-05 £693.27 INS rebate credit

14-07-05 £12298.84 transfer/settlement

14-07-05 £1587.87 Fess Disbursal [debit]

14-07-05 £1277.71 fees rebate

14-07-05 £10298.84 Transfer credit

14-07-05 £12.02 SET'L PEN INT debit

14-07-05 £13886.71 Loan Disp

29-12-05 £13114.41 Settlement Payment

29-12-05 £1530.23 Fees rebate

29-12-05 £1677.59 disp of fees [debit]

29-12-05 £14792 REWRITE DISP

 

 

21-02-06 £13712.03 set'l cheque to cust

21-02-06 £336.43 penalty fees

21-02-06 £1666.25 Fees REbate

 

 

31-10-06 £1784.62 INS PREM Credit

31-10-06 £235 Fee Disp credit

31-10-06 £8019.62 loan disp to cust

 

 

03-04-07 £293.48 set pen int

03-04-07 £1204.73 INS rebate

03-04-07 £288.33 Fees rebate

03-04-07 £2600.15 INS premiums credit

03-04-07 £2600.15 INS premiums debit

03-04-07 FEE DISP credit

03-04-07 £235 Fees disp [debit]

03-04-07 £11767 Loan Disp to Cust

 

 

05-10-07 £12826.25 transfer credit [set'l]

05-10-07 £460.73 SET'L pen Int Debit

05-10-07 £1896.39 INS rebate credit

05-10-07 £225.24 FEE rebate debit

05-10-07 £460.72 Pen Fees debit

05-10-07 £225.24 FEE REBATE [credit]

05-10-07 £4506.20 INS PREM [credit]

05-10-07 £235 FEE DISP Credit

05-10-07 £26741.20 Loan Disp DEBIT

 

 

30/09/08 £30514.52 TFR BAL FROM [PCOMB]

29/08/08 £2307.70 PPP insurances credit

29/08/08 £30514.52 DISB transfer

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

Omg

I'm going back through this sar again myself after seeing all the questions that need to be answered on the fcsc form

and I think I got a few more Morgage indemnity fees.

 

 

I've also just noticed that on a ppi of 2425.15 they have charged interest of 3114.30 total on 5539.45

they also seem to want lots of proof.

 

 

Luckily I have the sar.

 

 

I'm not sure I understand the abbreviations you've just posted

but I can see you've gone to the start and right to the last Loan

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and not finished either

so there is lots missing.

 

quite honestly I would wait until I finish before doing that form

as the PPI from loan 1 goes right through to the last loan

and others were taken out and refunded throughout its life

 

its not a simple one PPI figure claim.

 

IF I were you id do as I've done

list each loan

its PPI

then its rebate

 

but as you'll see its not that simple

as there are rebates that were PPI but they wernt PPI they were interest only

and no PPI rebate happened

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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Share on other sites

don't appear to have that?

 

 

anymore very important docs you've not sent me?

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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