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


cruzhughes

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no needs work.

 

 

bit busy tonight

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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I asked the Fos if I will be able to link up with this welcome reference no if I have a need to come back to them after final response from new debt owners as it's all regarding the original company?

 

Reply as follows

We keep complaints separate but do have a system which allows us to check any previous complaint brought to our service.

 

Just be aware that the purchasers will only be able to respond to anything that’s happened since they got the debt. The purchasers wouldn’t be responsible for lending you the money. That would be Welcome and unfortunately we can’t do anything in relation to that.

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but the charge is wholely made of mis sold reclaimable products

and should not even be there

I think this is very unfair

cant I just plead with the new owners in luxy to remove it

is there not anything I can do?

seems like I'm entitled to it but as welcome are broke the authorities are letting them get away with it..

 

 

very unfair, to me 'you' the regulators and your chumps have caused this?

 

 

any ideas please??

 

 

send him that.

 

 

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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This is a bit harsh!!

The Financial Ombudsman Service isn’t a regulator. We are an independent body who help resolve disputes between businesses and consumers. We’re not here to ‘champion’ either side.

 

The regulators are the Financial Conduct Authority.

 

You can take any action you like in relation to trying to get this resolved. I’ve not said that nobody can help you I’ve just said that we’re not in a position to because of what has happened in court. It may be that the only way to resolve this is going down a legal route but you are free to get advice elsewhere or speak with the businesses involved if you wish to do so.

 

I understand it is frustrating because we can’t really give you an answer. There are many other in a similar position to you where we’ve unfortunately not been able to help. However, we do have rules we need to follow when we consider complaints and sometimes it does mean that we’re not in a position to provide responses.

 

I’m sorry I can’t be of more help but there really is nothing our service can do to change this.

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no good that's what I wanted to here

 

its a shame this should have been running with the FCA long ago and I thought you have.

 

it cant hurt your cause to go ring the FCA.

 

just stick to whats in that complaint letter.

 

sorry to bother but I have an issue with an old charge by progressive finance that I think has been unlawfully sold to an overseas company that I appear not to be able to complain about

can you help??..

 

that's all made of mis-sold products that the FOS now have no powers to adjudicate over as welcome attained some kind of waiver sometime previous.

 

I'm really puzzled upon who I turn too.

 

they don't actually deal with individual complaints

but ARE the regulator.

 

its interesting to see the FOS know loads of people are in the same boat too.

 

urm..

 

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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lets see what the fca say

 

 

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

Hi dx

 

things are hotting up here.

 

I've had some post today from the person who now lives in the property I moved from in may 2016.

 

2 letters from prime credit dated Dec 14th and 23rd.

 

Do these both warrant a CCA request now?

 

You won't believe the charges they lumped on already!

Prime Credit Dec.pdf

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Just contacted them online. Have added the original letter to welcome. Welcome, FSCS and FOS responses. Picture of dca letter too. Here goes and fingers crossed again

 

urm not a good idea that...

which is why I wrote wot I wrote eric.

 

I was going for a soft approach

 

you are likely to be fobbed off without anyone looking in to your case

too much info in one go. = BIN.

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

std rubbish

its not a mortgage its a secured loan

 

bottom line is they don't knowwhat they are talking about

 

welcome did field agent visits too

think you had them..

 

if they were so confident

they'd go directly to court.

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

So where does that leave me and what am I to do??

Do I ignore or cca?

 

They are going to 2 old addresses be nice to know if they have been to the adresss I lived inbetween those 2.

 

What I still find bizarre is since finding out Welcome stuff in 2015

they have had the 3 addresses I lived since the 2014 divorce directly from myself on each move due to all the correspondence disputing the debt.

 

. the newest move was May 2016 and they have definitely have that as on the IR complaint letter with the other ones listed underneath it.

 

Why or why is this company going everywhere other than where I actually live?

 

It asked for further documents!

 

That's why I added them in.

 

But what I wrote was exactly as you put it!

Sorry

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a CCA request might be good for a laugh but I've never seen the lack of one of those resulting in a charge being removed .

 

what extra documents the FCA asked for?

 

sorry I've not been thru there web portal on the FCA site.

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

It just asked about the query so I put in what you wrote then it asked to specify what type and name the company so I put the 3 names in. Further on it asked did I have any further documents with regards to the query and to attach them.

 

What worries me is the new company chasing the debt have already lumped 2600 on it in charges since they obtained it. So I feel I need to be batting them off otherwise up it's going to go isn't it?

 

Or ask for this http://www.consumeractiongroup.co.uk/forum/showthread.php?387504-Letter-to-DCA-requesting-confirmation-of-Assignment-(update-21.04.2014)

 

I don't even think that can be used as welcome put in their final response it was sold to alpha?

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well that's nothing welcome have not already done

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

Too true.

But evidently I can't claim back from welcome and loan is still 2£6k no mention of where the 8grand from fscs has gone or too whom. The balance hasn't come down from what I see on them letters.

 

But I'm unsure of the stunts these lot are going to pull next.

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but a court would..

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

no but that's where they will end up with you I bet

if you don't give in

which you are not going too

then the fun begins.

 

 

and the whole truth will be outed.

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

I'm not giving in this has been hanging around for almost 2 years now. Are you sure I don't need to get in touch with this company though? Cos I don't want anything to go against me for not dealing with prime/alpha

 

It's me I want them writing to at the right address so I don't miss anything surely

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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

Are you saying that they are writing to me at wrong address on purpose to issue a ccj against me?. Just a little thing too charge is fated 2006 however Welcome starred it was to do with the 2008 loan (last one) which was 2 years later than date at LR.

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