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    • I feel that people are focusing too much on the OPs property being a council house and putting responsibility on the council to resolve this.   imagine for a moment that the OPs house is privately owned, now what powers would they have to take action on the trees? Pretty much none without taking the tree owner to court right. Well as the trees are privately owned, that is the same power that the council have right now.   the information with the £375 will be inline with high hedges legislation as this will be the only power the council will have and it is common for there to be a charge for this.   this is not a social housing issue, but a neighbor dispute with a private homeowner.   i used to work as a tree officer for a local authority and from experience have seen that people’s idea of dangerous and what is actually dangerous are two different issues. A councils power to enforce tree works are also limited and will usually only be where a private tree poses a risk to the highway, not to another property as that is a civil matter (even where the council own the 2nd property).    With regards to risk to underground pipes, this is something you will be unlikely to successfully argue as various studies have found that unless a tree is planted on top of the pipe and crush it, the roots will not cause damage, but rather only enter through already damaged areas as they are opportunistic, any tree roots in drains are usually a secondary issue where a pipe had existing damage and to resolve it will require a permanent repair to the pipe to prevent recurrence.   the only options i see here are to calculate the height allowed under high hedges legislation (it varies depending on what direction the property faces , the location of hedges etc) and try to enforce that which will involve the fee. Otherwise there is little you can do as the private homeowner has a right to have trees in their garden although they may be liable if they were to cause damage to your property (such as a shed) or the councils property in the future.
    • Served on 16 Feb.   On reviewing the MCOL website today for an updated, I noticed that 1) Hermes has aknowledged the claim, but not yet filed a defence, and 2) that I there was a glitch / error on the form. Essentially, it looks like I had accidentally left the "I will send detailed particulars of claim" box ticke (I thought I had unticked it), with the result that the claim section has been truncated, and some extra text has automatcially been added - in red below):   "...Claimant seeks £XXX, plus I will provide the defendant with separate detailed particulars within 14 days after service of the claim form. The claimant claims interest under section 69 of the County Courts Act 1984 at the rate of..."   This is obviously not ideal. Is it better to try to amend the claim somehow, or to just submit a brief POC that a) clarifies that I am seeking £XXX plus costs (which was automatically truncated), and b) sets out my calculation of the £XXX?  
    • Hi   It amazes me how they pass the buck as they don't want to deal with a private homeowner but if the shoe was on the other foot they would be hammering down on you for breach of tenancy.   As this is council housing you need to make a Formal Complaint in writing to the Council Housing about this (as a social housing landlord they have a complaints process they have to follow). you need to exhaust their complaints process. Make sure and title your letter Formal Complaint.   From what you have posted this tree is not just a nuisance but also a Health & Safety risk:   1. The tree being overgrown is now a danger to the occupants/Guest/Visitors to your property   2. The tree has overgrown into the Council Housings Boundaries your property causing damage/endangerment to the occupants/guest/visitors.   3. As the roots of the tree are also overgrown into your property you have concerns that these may be causing/damaging to any underground pipework that may be within the boundray of the property.   4. So far the Councils actions have been to treat their Council Housing tenant as a third class citizen with a private homeowner aloud to cause endangerment/possible damage due to these overgrown trees which are encroaching on your council house property/bounderies.   You also require clarification why you were sent the Healthy Neighbourhood Information which states I have to pay £375 to make a complaint. (make sure and attach a copy of the response that states this cost)   You also require copies of the following:   1. Complaints Policy (not the leaflet) 2. Customer Service Standard (not the leaflet) 3. Health & Safety Policy (not the leaflet) 4. Public Liability Insurance Policy. (not the leaflet) 5. Clarification from you if their is any underground pipeworks running through the bounderies within the garden area (you should have full knowledge of this it being your property/plans) 6. Compensation Policy (not the leaaflet) 7. Equality & Diversity Policy (not the leaflet)   When you get the above policies sit with a pen/pencil/highlighter and take you time reading them and just think to yourself 'DID THEY DO THAT' if not mark it then leave it for a while then do the same again this way you can basically throw/write back stating the haven't followed x policy with which part of that policy and your reason. (you are building evidence to use against them using their own policies. I would also like to refer you to The Local Government (Miscellaneous Provision) Act 1976: http://www.legislation.gov.uk/ukpga/1976/57/part/I/crossheading/dangerous-trees-and-excavations     You need to remember yes it is the Council but the Council Housing is a separate entity and is a Registered Social Landlord (RSL)   Is the Council Housing classed as a registered Charity? (what is their registration number whether charity or RSL?)   Also have a wee look at this CAG link:     
    • @rocky_sharma   Fame at last!!   Dunno how much help it would be in your case, but I could try digging out the txt of my defence if you think it might be relevant to your defence. We might hafta do this via PM, then e-mail though if ya wanna go down that route.   Good luck with yours anyway mate.
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Scr4bbeR

Welcome finance secured loan now with Prime,

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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 OTHERS

 

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

 

If you want advice on your thread 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 OTHERS

 

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

 

If you want advice on your thread 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..

 

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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..

 

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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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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:

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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

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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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Haven’t got it. Pop the date on here.

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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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That’s the same date as my deed of variation.

 

I have a date of the 28/11/2007 for a date of Charge?

Mine was 3 weeks after loan started

 

Does your title no start with w and end in 64?

 

And is loan only in your name

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The Title No starts with GM and ends with 76. The Copy of the title is filed under a reference no beginning with WA and ends in 36

 

The loan is in both mine and my husbands names.

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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..

 

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