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    • Hi   I assume this mattress was the Tenants own property?   So after moving out the Tenants provided an attachment showing a stained mattress and wanting full deposit back and threatening to claim against you for this.   1. Tenants failed to notify you of this stained mattress issue until the end of tenancy after they had vacated the property.   2. You have no evidence that this was the actual mattress used in that property nor evidence to back up there claim the staining caused this mattress damage.  (i.e. one of them could have had an accident and wet the bed or done this when they moved from the property).     3. Ask them that you wish the mattress independently inspected. (which you are fully entitled to do and if it proves this claim is false it will be added to the deposit claim by you the landlord for damages as well as the Garden if you need to get landscapers in to carry out the work that should have been carried out by Tenants as per Tenacy Agreement and raised  by yourself (Landlord) on a few occasions which Tenants failed to rectify even at end of tenancy.   4. Ask them to provide you with the contact details of there Contents Insurance Company (tenants whether Private or Social Housing should always take out and have Contents Insurance but is up to that tenant) bet they don't provide it Big question is the Deposit protected in a Tenancy Deposit Scheme (TDS) and those Tenants that have left were given a copy of the Prescribed Terms for that TDS? (Bear in mind you may need to tell TDS that you are in dispute with the Tenant about damages i.e. mattress and Garden)    
    • plenty of time to research and calm down. nothing much to do until the end of june.    
    • well ...... 1st you need to go back to post 1 and carefully read ALL this thread from the start again and pay attention to the advice and the undertones it explains about 'debt'.   2nd ...the truth is you owe no-one ANYTHING, the OC wrote off and sold the debt, and got most of it back against tax and business insurance schemes ...throw the morality card out the window...the OC did by selling the debt on for <10p=£1. and the DCa want the full balance ...id so many fools stopped paying powerless DCA's tomorrow, the whole industry would collapse overnight.   3rd the only reason this is still around your neck is because you failed to follow given advice...had you ..it would now be statute barred.      ^^^ very important research the M+S credit card debacle using our enhanced google searchbox on this page   as for the PAPLOC reply,   D.. desipte a previous CCA requests, the claimant has yet to supply any/all of the required paperwork.   i: delete [CC is attached to this reply form]"   
    • Hi again   Yes, it's been a lovely day weather wise.   Guess you've better things to do with weather like today than help with this problem, so thanks very much for your input, it's very much appreciated.   Late this afternoon I did receive a reply from the tenants, and they are asking me to go 50/50 with getting the garden sorted, not only that, as they have moved away they are expecting me to get the quotes.   Regarding you view on this issue, its so easy not to see the whole picture and my thoughts that the staining damp may be of their own doing didn't occur to me as I was so locked into the historical leak. Taking a closer look at the room in question today, I'm convinced that they are trying it on with the stained mattress- they did mail through a picture and then a receipt for supposedly the mattress. My wife and I then took both the pic and receipt to the bedding store where purchase was made to ask if the two married up, the picture does not show any emblems/manufactures logo or such to prove that this is the case, so we are none the wiser- our thoughts being that the stained mattress is from elsewhere.   A few days back I spoke to our letting agent regarding all of this, as was quite correctly mentioned there are two parts to this equation, namely the mattress and then the property.   Our agents mentioned to me that as an inventory was not carried out initially with the let, (hindsight) the pictures that were used to advertise the property could not be used as evidence to present to the TDS to be compared to the pictures now as there is no proof that the advertising pictures were in fact how the property was when the let started. I mentioned that all digital pictures have a means of finding when that pic was taken- Geo tag/Metadata- agent was quite surprised by this. The agents thoughts then went for a hide in a vacuum-   This is going off at a tangent here-many moons ago my wife studied computer science at a local University, one of her classmates who she is still in touch with is now a practising Solicitor. My wife suggested that maybe I give her a call, a bit rude I guess, but I did  phone and with the pleasantries out the way  I asked for her opinion of the best way to get this sorted. Her remit isn't landlord type stuff, however she will speak to a colleague on Monday and come back to me.   The property is due to be relet on the 21st, we will ensure that the new tenants move in to a home that is immaculate and welcoming, trouble is its getting a tadge close to get the garden issues sorted in time.   I know that all this will get closure in the end, but at the moment I've had more fun with a toothpick-   Again, many thanks.
    • The collection is currently stored at curator James Blower's home, but he has now found a space situated in an old bank premises where he hopes to exhibit them from this autumn or early next year. View the full article
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Welcome multiple loans from 2002 rolled - now 23k!! Sold to Coast Finance Solutions


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Hi All,

 

I would be grateful for any help to work towards reducing my Welcome Finance loan which has been sold to Coast Financial Solutions despite account being in long term dispute.

 

I do not wish to bore you kind folk with a sob story but think you need a brief history.

 

I got a car from YES Car Credit when I was a student back in 1998. I purchased a property in 2002 and fell victim to Welcome Finance offer of reducing my costs by taking out a home loan. Since then over 15 years has passed and I have put the loan in dispute many times due to charges, incorrect balance and Payment Protection Products including MIF which I was never made aware of.

 

Now I am in the progress of claiming back PPI and have tryed to get WFS to agree to a settlement. I am not greedy just want a soloution to the outsanding Welcome account.

 

The account at present stands at just under 23,000 and has been re-written many times . This is my mistake for giving in to WFS harassment but they stopped interest on balance a while back due to the length of the dispute.

 

Thus this is were its gets weird . Every time I try to communicate with WFS they pass the account on saying they have sold it but so far the purchaser has been a DCA for example Incasso and Cabot who just hand it back after I reminded them that the account was in dispute.

 

Now they say with letter that the account has been sold to Coast Finance Solutions who are based abroad but have a PO Box address in Newport.

 

This is strange because I have offered half the amount as settlement and when you do the maths its a very generous offer. I calculated this by simply deducting miss sold PPI which totals nearly 8,000 and deduction unfair charges.

 

Anyway can anybody advise

 

Many THANKS in Advance

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Have you sent welcome an sar and gotten all the agreements and statements from day one?

 

Thisvshould be easy to kill dead

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 am just now doing a SAR request.

 

Over the years WFS have only sent what appears to be reconstructed CCA but I did sign one and the figures are in line with the high interest sub prime agreement.

 

I have requested also a CCA using the correct method so happy to post them when they arrive which knowing WFS will take some time.

 

THANK YOU SO MUCH FOR RESPONDING

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Dont tell me you did rewrites over the phone and never signed anything ....most times

Welcomes special trick was to forge your sig on each one

Hence the recon agreements...they dont want the FCa et all getting even more evidence of fraud by phone staff

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 wish sadly all signed at a WFS office but you may be correct about the signature and the date is not my hand writing on any of their CCA'S.

 

I even remember walking out of the final office because just wanted there harassment to stop so can not remember signing last agreement but my signature is on it but date is some one else writing.

 

Welcome have always been allusive with me maybe the agreement is dodgy but I do owe money.

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Well scan up anything you have to one mutipage pdf

Read upload

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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Yes will do, THANK YOU

 

Thanks for responding and I look forward to conversing about this matter following scanned documents uploads.

 

Kind Regards

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  • 2 weeks later...

I have also recently had letters advising my account has been sold to coast. A £15k secured loan taken over 15 years in 2007. Any advice on what i can do to help would be great. Dont know what a SAR is or how i go about completing one.

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Start a new thread

Of your own please

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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Hi All,

 

Nothing yet back from WFS or CFS but both state they are unable to communicate with me by any means in relation to account until mid June.

 

The CCA request is close to default by both WFS and CFS but thats nothing new as WFS within 12 years were unable to satisfy which is why the account was in dispute and still is.

 

I have started PPI reclaim on all loans going back to 2001 but no luck yet.

 

Its early days but I noticed more posts like my one on various forums. It appears they are all either frozen interest accounts or ones with a low payment arrangement.

 

The whole situation has resulted in some very clever people putting a outsource company called Target Servicing Limited who are regulated by FSA and covered by FSCS with private investment company Coast Financial Solutions who do not appear t be associated with FSCS ect but I could be wrong.

 

The really weird angle is Target Servicing Limited name Welcome Finance as one of thee clients.

 

Its quite amusing trying to explain to FSCS that I wish to claim miss sold PPI under there scheme as WFS are in default but account now allegedly owned by CFS who are frointed by Target who are covered also by FSCS compensation scheme.

 

My case is simple because Will just pay what I owe and I do not think CFS will object. However I advise a everybody who has had there account transferred to CFS to do a CCA request because I smell a rat and its called Welcome.

 

I think WFS never went away they just created a network of companies starting with Alpha which was dissolved in 2015 in favor of Prime Credit who surprise surprise I think are linked to Coast Financial Solutions who were created this year who will probably use Target as a front to administer who also work for Welcome.

 

Just to say Target are based in Newport not far from Coast Financial Solutions PO Box.

 

Please understand I could be wrong so the above is just a theory until proven correct.

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Did you sar welcome?

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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Welcome are dead

All the companies are off shore registered

Nothing to do with welcome

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

When did you taken the agreements out

Pre or post 2005

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

Yes I did SAR Welcome but nothing yet not even an acknowledgement but that is WFS for you they take up to three months just to respond to a email never mind a full SAR request.

 

Sadly its a waiting game but will update you all when I have some news.

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They have 30 days only!!

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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The loan is pre-2005.

 

The comment on Welcome being dead I prey you are right but sadly those other companies are based abroad which is a bit concerning however you are quite correct

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Post 13

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

Then nothing to do with the fscs

Why are you even ringing them!!

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

30 Days would work out first week in July so fingers crossed mainly because I intend reducing the balance by evaluating information such as unfair charges and might even have a pop at the MIF but unsure how that will work out seeing as WFS only ever send a yearly statement not a breakdown of full account.

 

Like I said its a waiting game. Welcome may be a lot of things but they are not stupid thus will respond in some shape or form to a legal request.

 

I did try this years ok but they said my information was pending thus unavailable.

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Dont issue legal proceedings

Welcome will cough or the underwriters will

As its pre 2005

 

You will be using the fos cq

If you do this properly youll win easy

If you make stupid mistakes welcome will do you over

 

At some point we will need to see what to date you have written to welcome and what to date has comeback from them in reply

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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Ringing Who ?

 

Although I totally agree calling anybody in these situations is pointless as a paper trail is more productive.

 

Maybe you mean the FSCS but you have to get a questionnaire sent out as part of the protocol in relation to claim miss sold products under there compensation scheme which WFS are currently covered by so phone call quickest way.

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No you dont

Your agreements are pre 2005

Welcome were not regulated till then..

 

1st mistake.

 

Have you tipped welcome off in anyway that a ppi reclaim is coming??

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

mergeI am grateful for any assistance and happy to post various documents which I fully understand may hold the key to bringing this mess to a swift conclusion.

 

However please also understand I wish to pay what I owe and if WFS had been more professional I would have achieved this years ago.

 

I do believe that their avoidance of me may be something to do with the Pre-2005 agreement but I am not skilled enough to spot any such flaws.

 

THANK YOU

 

At this stage no just got FSCS questionnaire but also have done some reading concerning other people claiming PPI as quite aware that there are regulation issues concerning older WFS agreements. ir

 

Sadly I am not up to date with consumer law but I am learning however FSCS said I have to approach Welcome to make initial complain which I have not done yet.

 

Thank You for advise

 

I think I understand you are saying pre-2005 is not covered by FSCS ? which is why they told me to contact welcome but understand the claim will be directed to a underwriter as WFS did not hold the insurances just sold them.

 

Apologies for my lack of knowledge may I need to get advise before nearly making such a mistake.

 

Could you please advise me on how to proceed with PPI reclaim.

 

Many Thanks

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Await the sar is the no.1. Thing

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 will indeed await the SAR

 

I will update you when it arrives.

 

Again many thanks to all the kind folks on this forum I have found your assistance most helpful and reassuring.

 

Good Night

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