Jump to content


cruzhughes

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

Recommended Posts

There's 3 photocopied on the back of land registry paperwork shall I send them via pm? Only now I've come across them. As they were with LR paperwork

Share this post


Link to post
Share on other sites

yes please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

The ppi 1485.75 with interest of 2297.05 tallys with the one agreement we couldn't make the date out on the other day 19/06/06

Share this post


Link to post
Share on other sites

ans via pm or email as these required details will contain pers info...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

on the sheets

what are the A/C no's for the statements

and the breakdown you found


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Account no for first PDF account ending in 661

Second PDF account ending in 978

Third PDF account ending in 722

Also pm you this morning

 

I have been reading through all phonecall transcripts from Loan ending 984 and have come across lots of calls of ex wife to this company Settlement figure was £25,475.37 on 15/01/15 when she phoned from solicitors office after divorce.

 

Have you come across anything that you think you could be missing dx?

Share this post


Link to post
Share on other sites

yea a bigger brain for me

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I see we are in a similar position cruz, both stuck with a dodgy land registry charge, hopefully with the help of the guys here I can get mine into court......

Share this post


Link to post
Share on other sites

Can I have half too! You must be pulling your hair out! Welcome must be the only ones with brains in all of this to pull all the stunts they have.

Share this post


Link to post
Share on other sites

I wish you all the best too! I haven't gone to them yet. Waiting for dx to go through what I've sent him all 15 years of it. The poor man! He must like mysterys?

Share this post


Link to post
Share on other sites

having consulted those in know

as you are both in the same boat

it appears that the first secured loans and its resultant charge on land registry stands good for all the latter loans that refinanced the chain

as long as it was a chain till when paid off.

 

 

now, if through all the loans, the various insurance/penalty charges/ppi when calculated properly

might well give cause to persuading welcome that no balance exists now

and 'its paid off' so they might remove it.

 

 

discovering how much is the difficulty


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I worked out things quickly and roughly on the amount of Ppi paid plus the interest on them extra pages I found

and I'm bordering the settlement figure.

 

Have not calculated each individual rate of interest on each loan or added any penalty charges.

 

Dx I know you know the right way to go through things.

 

I'm just second guessing I suppose without knowing how to break everything down individually like you do.

Share this post


Link to post
Share on other sites

the issue with simply adding all you can see for PPI+the interest that that cost you

is its very difficult to calculate what was left at the time of refinance & what rebates they gave.

 

however if

- by that basic method [using whole figures quoted for PPI+INT Verses rebates} is more that the existing registered charge

then yes it would give a very rough ballpark figure and might cause them to 'come to a deal'

 

i'll forget all the reclaiming

if you remove the charge.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

I await your thorough calculations to see what the real figures are.

 

Yours could be well over the loan or at worse a shortfall of what's still apparently owed.

 

Then I could still be in bad street owing them too.

 

Their statements aren't the easiest to understand are they?

 

And also by going on some of the call transcripts I have they should never have refinanced most loans as they were already in arrears and not being paid on time and chased by welcome frequently

Share this post


Link to post
Share on other sites

Then another route to further support things still work in progress is for you to investigate a claim of irresponsible lending

Use the cag search box

Threads are mainly in the pdl forun


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Thanks for that info dx will take a look. As one things for sure they definitely inflated house value on one of the loans and there was already charges on the property. Are there any template letters to do with it? Who will I be writing to when all the totals are together. This site has really been informative. I can't thank you all enough.

Share this post


Link to post
Share on other sites

IR is a unique situation to each person so no template fits that I'm aware of

But you'll see many in the pdl forum take the same tract

 

As for the welcome stuff

Twill goto head office


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

IR is something I should also be looking into. Welcome claim that they re-write my loan to facilitate lower payments but the payment due wasn't lower.......

 

I will use the CISHEET today and work out what my reclaim should be, after a quick look based on a 13k balance that they claim is outstanding I would agree to a 3k settlement. They would never take it though, I'm sure they would prefer to sit on the charge and wait it out.

 

I often wonder how they would defend their actions in front of a county court judge, I do feel its the only way to get anywhere with them, at least the mediation would be interesting...

Share this post


Link to post
Share on other sites
IR is a unique situation to each person so no template fits that I'm aware of

But you'll see many in the pdl forum take the same tract

 

As for the welcome stuff

Twill goto head office

What else do I need to be doing now dx?

Share this post


Link to post
Share on other sites

very close just doing the last loan and its PPI

 

 

come out is that sadly

even though their statements are in some areas wrong/poor

each was rebated ok

 

 

so nothing there

until the last loan

doing the spready now

 

 

certainly a good case for mass irresponsible lending mind

from day one

 

 

notes.

1st Its Worthy to note

where they did not get you on PPI/life

they got you on MIF

.

Loan ...851 PPI Charged

£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]

total loan 7369.33

PPI

PPIPCM=21.75% = £42.83 on £196.89 payment

total you paid for PPI was £1441.70

total charged for PPI £1603.22 - not worth bothering about.

as you also got £1005 back for 'fees'

...

loan ...789 PPI Charged

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 [624851]

10-06-03 £627.93 Ins Rebate [credit][624851]

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

PPI

10-06-03 PCM was £231.01

PPIPCM=18.4% = £42.50 on £231.01

total charged for PPI was £1804.68

total you actually paid = £1335.57 - not worth it

as you got fees back too

LOAN ....978 MIF CHARGED

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

NO PPI but has MIF & ACCEPTANCE FEE WHEREBY INT HAS BEEN WRONGLY CHARGED ON THEM - AGREEMENT SHOULD HAVE BEEN VOIDED RE:

however loan only ran 4mts nothing worth it

LOAN ....216 MIF Charged

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

NO PPI but has MIF & ACCEPTANCE FEE WHEREBY INT HAS BEEN WRONGLY CHARGED ON THEM - AGREEMENT SHOULD HAVE BEEN VOIDED RE:

however loan only ran 5mts nothing worth it

LOAN ...722 MIF Charged

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

NO PPI but has MIF & ACCEPTANCE FEE WHEREBY INT HAS BEEN WRONGLY CHARGED ON THEM - AGREEMENT SHOULD HAVE BEEN VOIDED RE:

however loan only ran 10mts nothing worth it

Loan ....661

31-10-06 £1784.62 INS PREM Credit

31-10-06 £235 Fee Disp credit

31-10-06 £8019.62 loan disp to cust

NO PPI but has MIF & ACCEPTANCE FEE WHEREBY INT HAS BEEN WRONGLY CHARGED ON THEM - AGREEMENT SHOULD HAVE BEEN VOIDED RE:

however loan only ran 6mts nothing worth it

Loan ....303

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

PPI

however loan only ran 6mts nothing worth it

Loan ....661

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

PPI

however loan only ran 12mts nothing worth it

Loan 3236984

30/09/08 £30514.52 TFR BAL FROM

29/08/08 £2307.70 PPP insurances credit

29/08/08 £30514.52 DISB transfer

PPIPCM = 7.56%

working on spready now


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

Thanks dx. What do you think the chances are over getting charge and loan cleared now. After all this effort you've put in?

Share this post


Link to post
Share on other sites

imho you have a strong IR case

esp all the loans that were


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

That's good to know. The interest they have charged is mental plus each loan term was extended time and time again which makes it look affordable but in terms of the last one 300 months? And paying 69000 back in total.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...