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    • Actually there wasn't a massive amount of work to do on the WS.  The "meat" was there because of the great work you'd already done. Here is a version which I think is nigh-on finished. However, with Easter there are a few days for the other regulars to suggest tweaks. Defendant WS.pdf
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Welcome finance secured loan now with Prime,


Scr4bbeR
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because no one has posted on it for the last 2201 days.

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at the bottom of one of the posts.

 

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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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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.

 

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.

 

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.

 

Kind Regard

 

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.

 

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.

 

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

 

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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Hi, yes, this was the only dealings we had with Welcome.

 

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

 

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

 

That's Great, thanks, i'll make a start on your thread.

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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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And fire a CCA Request off to prime.

 

Don’t hold out much hope of getting one.

 

I’m still waiting for mine almost a year and 3 court cases later :lol:

 

I'm probably asking a silly question but is it Section 77 of the CCA that I'm referring to?

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Just sent you a private message scr4bber to see if you are on the list of names I have. Date loan started I’m after.

 

I have 8 that started in 2007 on the list

 

I've responded to your PM but i'm not certain they're sending. Let me know if you recieve it :oops:

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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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