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    • Thanks all. Confused. But empowered. This forum is a ffffing lifesaver. Why isn’t it advertised for help. 
    • Yes, you are right. My mistake. I wasn't paying attention. If you have sued as a business then you will have to rely on the fact that they are attempting to limit or exclude their liability under the Supply of goods and services act 1982 and that their insistence on paying something in addition to the agreed contract price for the service is unfair and contrary to the unfair contract terms act 1977. Well spotted. At least one of us is on the ball – and it obviously isn't me!
    • I had an eBay account a few years ago and sold a high-value piece of jewelry for around £9000. I sent the item to eBay's authenticity center (mandatory for this value), and the tracking showed it was delivered. However, eBay later claimed they never received it. After an investigation, UPS said it was delivered to a different address on the estate where the authenticity center is located. Eventually, eBay located the package but said it contained only chocolate and unrelated items, which I obviously did not send. UPS was unhelpful. As a result, eBay refunded the buyer, and my account went minus £9000. I refused to pay, lost my eBay account, and no longer have access to it or the associated email. Today, I received a text from DRS debt recovery with my name and a reference number, stating I owe a debt to eBay and to log in online using a passcode emailed to me (which I don't have since I no longer have access to the email). When I called DRS for more information, they asked for my address, which I refused to give based on advice I read online. They then said they couldn't discuss the debt further and ended the call. What should I do in this situation? Should I contact DRS again and provide my details to find out more about the debt? Should I send a letter explaining why I shouldn't owe this debt and do nothing further? Is there a legal risk of them taking me to court? Any advice would be appreciated. From what I am aware of, I think they only have my name and telephone number. I have not received any debt letters in the post and I removed/change my address from eBay at the time this all happened. I also have not received any CCJ's. This is the first time they have contacted me. They sent me another text with a PDF letter explaining the debt. The address on the letter is the address on my ebay account which is not an address linked to me and is actually missing the first line.
    • Well firstly, I would point out that according to section 2 paragraph 4 it is on P2G to prove that you are not a consumer for the purposes of the contract. Anyway even if they prove it you can just rely on  Unfair Contract Terms Act 1977 which gives you similar rights.   don't out yourself. let p2g prove it. its on them to prove not you.
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Welcome finance secured loan now with Prime,


Scr4bbeR

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Hi All,

I'm a newbie to the site and I hope i'm in the correct forum.

I would be very grateful for any advice or guidance from those of you with experience of similar issues.

 

We took a loan with Welcome Finance in 2007 secured against our home for £17,000.

Over the years they have changed companies and are now known as Prime Credit.

 

We have taken steps to sell our home and have accepted an offer.

It is only now that we are in a position where we are looking for a new mortgage that we have realised the secured loan will create difficulties.

 

We have paid £234 per month for almost 10 years totalling around £28K.

When we finish the loan with Prime Credit in another 5 years we will have paid in excess of £40k

 

Can anyone offer some advice on the best way to approach this with the Loan Company please.

We have just realised that if we have to settle the loan first we will not have the deposit needed to move house.

 

We have been improving our credit scores over the past few years and are bordering on achieving Good.

 

Would it be advisable to apply for an unsecured loan to pay this off or would this also affect our mortgage application.

 

We are so confused about the best way to deal with this :???:

Many thanks in advance for any help you may be able to give.

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Thread moved to Welcome Finance Forum....please continue to post here to your thread.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Thank you Andy, as you can probably tell I'm very new to forums.

Do you mean that I post to the thread from here or from the Welcome Finance Forum.

Apologies for my extremely limited understanding of this.

 

Kind Regards

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So theyve sold the debt on.

The new owners have continually applies more and more interest and charges.

 

I think its time you read your contract that you originally agreed to and what interest you had to pay, as well as SAR welcome and get accurate statements.

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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Thread moved to Welcome Finance Forum....please continue to post here to your thread.

 

Regards

 

Andy

 

Your already here in the correct form...continue to post here.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Thank you for your response.

 

I have spoken with Prime Credit this morning and they advised me that the current outstanding amount is £9868.88.

To settle now would incur a 30 day interest charge amounting to £116.

 

I gave him the repayment figures to date and the figure for the next 5 years worth of payments.

I explained that we have repaid highly excessive amounts for an original 17K loan.

 

They have advised me that they will send the Redemption Statement to me and request that someone contacts me to discuss the figures.

 

I informed them that I would be sending a SAR and asked them to confirm that this should be sent to Welcome as the original creditors

 

After seeking clarification from his supervisor the call handler came back and advised me that the SAR is to be sent directly to Prime Credit as Welcome provided Prime Credit with all of the records dating back to the start of the account.

 

What are your thoughts :???:

Kind Regards

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Dx should be online soon he loves welcome finance and unraveling them

 

 

If I was you going on my history with them. You need to find out some facts from LR too.

 

I’d go on here and pay £3 for your deeds make sure you save them

https://www.gov.uk/government/organisations/land-registry

 

Then when you get that use this form to get the official copies it will cost you £7 but you’ll get more info

https://www.gov.uk/government/publications/official-copies-of-documents-registration-oc2

 

Good luck.

 

PS watch prime credit as they are added interest on when in my case it should have been at 0% from the sale to them from welcome.

 

SAR welcome asap

 

Prime don’t like replying to letters or A SAR

 

Don’t speak to prime on phone either you need everything on paper as evidence. In case you need it for a later date.

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you need to stay off the phone. Keep everything in writing and demand that they provide a complete breakdown of the alleged amoun t owed and how they came to it.

Also, i hope you have reclaimed any PPI and unlawful charges from welcome and the new owner.

if they dont like replying to a sar, then take them to court and force them.

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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Best it comes from Welcome first. And then go to prime if needs be later.

 

I’ve already been to court 3 times with prime and they are still not following court orders or producing anything I’ve requested.

 

I’m only speaking from my experience.

 

Sar Welcome and see if there’s any reclaim to be done through them or FSCS first

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oh this could be fun...

if you are lucky the PPI might well wipe this debt out for you..

thread title update to inc prime

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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cruzhughes many thanks for this.

I'll get on to this now and gather the documents.

I haven't claimed any PPI as yet.

To be honest i've been extremely stupid and naive.

The loan has been ignored for the last 10 years and i've only taken any notice of it now that we are selling the house.

I'll take all of your advice on board and start with the SAR to Welcome.

Will this give me an indication of any PPI and other charges/fees associated with the loan?

I've been through a mountain of paperwork trying to find the original documents from Welcome and I can't find them.

Very frustrating.

Your advice is hugely appreciated.

Sounds like you're having a terrible time with Prime.

Any pitfalls you can share are most welcome.

Many thanks :-)

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you most prob wont get any penalty charges back

but you should get the PPI and life etc

 

was this your only welcome 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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Dx back to that list I had from the land registry for you!!

 

You could always read my thread be warned it’s very long as the situation only came to light in 2015/16 https://www.consumeractiongroup.co.uk/forum/showthread.php?467097-Welcome-secured-loans-charge-sold-to-Alpha-Prime-repo-received-bal-all-penalties-PPI-MIF-LIFE-PPI-or-IR-help.

 

My advice would be listen to dx and supply him with everything as you go along.

 

Most of what you looking for should be in that SAR

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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... 

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Date on a Welcome Statement says - Date of First Movement 14 - Nov - 07

 

The date on the LR Deed says -

(19.11.2007) Charge dated 13 November 2007 in favour of Welcome Financial Services Limited.

The Charge has been varied by a Deed of Variation dated 17 September 2016 made between (1) Welcome Financial Services Limited and (2) Alpha Credit Solutions

 

(28.11.2016) The Deed of Variation dated 17 September 2016 made between (1) Welcome Financial Services Limited and (2) Alpha Credit Solutions varies the charge dated 13 November 2007 in favour of Welcome Financial Services Limited referred to above.

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hey we've found one of the people on your list then cruz?

 

srab you cant PM below 30 posts

send your reply to me by PM and i'll fwd it.

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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