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PRA Group constantly phoning and harassing for 2 x welcome finance debts I dont owe


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Hi,

I have 2 loans with welcome.

1 was for a car where I was well ripped off,

and the other for a cash loan. There is no HP.

 

My cash loan was for 2000 and is a fixed sum loan agreement. and to date I have paid back £3839.63.

Aktiv kapital want £450.85. The total amount payable on my credit agreement is £3950.64.

 

I CCA them a few weeks ago and got my original document.

 

Never knew I was paying that much.

 

also got a copy of all payments made since stay of loan in Sept 2007.

 

Interest was added monthly until 05/05/2010 when went to step change. Then frozen.

 

Only 1 fee of £20 for direct debit cancellation in may 2008.

 

I want rid of this debt, feel I've paid enough, or in my calculations only now owe £111.01 minus any extra charges.

What can I do.

 

My next post will be about my car.

AKTIV KAPITAL have not supplied my payments made but my balance is still £6163.23

 

Been paying this since January 2008.

Went to step change in may 2010.

I've looked closely at my credit agreement and there is shortfall extra insurance that I didn't ask for,

and a whole array of confusing figures.

The amount of credit for the goods was 7950.

 

I've been conned and want to sort this out as lost my job, (but am fighting in employment tribunal)

and need to clear up my debts as got loads of them totaling 15k.

Please help

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When you say arrow supplied the cca, what exactly did they send you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Aktiv sent me a photocopy of my original agreements,and for my personal loan they also sent a copy of all payments I have made to welcome. That's it

 

I have attached the front and back of the copy of my loan

Please help

Thanks b

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I'd sar welcome finance pers

 

 

it will be worth the tenner.

 

 

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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60% blimey they got you!!

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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! SAR to each creditor. Only goes to the OC not the new owner. A SAR requests all info they hold on you regardless of how many accounts you have with them.

  • Confused 1

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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yes start a new thread for each seperate debt in the appropriate forum

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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  • 2 weeks later...

send them a CTAX bill

 

 

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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Just to update, welcome have now replied and said wheres our £10. They sent it back so I returned it to them

A lot of Welcome debts have been removed from credit files by the administrators whilst there is an investigation into the company, it doesn't mean the debt has gone away.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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shame, they are playing me though as the £10.00 postal order has been cashed

Welcome have 40 days from the date the payment is received to comply with the SAR.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

HiWelcome are running out of time

 

. What happens when they do?

 

I'll try to keep this short

 

2 x loans ( 1 for car and 1 for cash) was with welcome finance, then went to AKNow with PRA Group.

 

I challenged back in July 2014 when AK took over the loans.

 

I sent a SAR on 10/09/14 to welcome,

they returned it saying i needed ID,

sent back with the £10, they cashed it but never supplied SAR.

They claimed they never got the £10.00.

 

I challenged AK saying not paying and not acknowledging debt as the copy of the original loan agreement that i have that AK managed to get for me show the figures are wrong, lots of scribbling etc and also GAP insurance which i did not accept or take out.

 

I never heard back from AK after Nov 2014 until

i get 2 letters at the weekend from PRA.

 

Both statement of accounts showing figures owing of

Loan 1 Car - £6163.23

Cash loan - £450.86

Both have PRA reference starting AKD.

Are AK part of PRA?

 

The original cash loan was £2000 plus £1875.64 interest ( 60%) plus £75 fee TOTA £3950.64.

I have paid Welcome £3839.63 to date and nothing since Nov 2013.

 

The car figures are misleading but I have attached for you

 

Im not sure what to do,

the letter isnt threatening it just states that i havent paid anything in the last year.

 

Shall i ignore?

Thanks

caragreementpdf.pdf

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  • 1 year later...

Get a sar off to welcome and get reclaiming. They will likely owe you way more than an alleged amount owed to a DCA thats been passed around multipel times.

 

You say they never replied to the SAR... why didnt you take legal action against them back then and force them to comply? Its obvious they owe you and are trying their usual tricks.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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old and new threads merged

 

it s a statement of account

 

safe to ignore

 

get reclaiming.

I also notice the car loan was a refinance of a previous 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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I didnt chase it as i'd thought it was all sorted. ( Usual bury head in sand thing i guess)

I will send a new SAR to welcome with ID and see what happens

Yes, it was the second car i had bought off them ( and last), was well ripped off but i know i dont owe £6k.

 

So.... I Ignore SOA from PRA Group and re send a SAR to welcome finance?

Thanks

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then your reclaim will be a lot more too.

 

sit on your hands

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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