Jump to content


  • Tweets

  • Posts

    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
  • Our picks

davehall00

Welcome Finance debt sold to RW and old PPI ..How to play it ?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 442 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

I think the time has come to do a bit of RW&C baiting, or perhaps there is another way .

 

Back in 2007, I bought a car on HP( I still have my copies of the docs) ,with a company that has since gone into default.

 

Term was 36 months, and eighteen months into contract I was made redundant.

I had not read the PPI package properly ( bear in mind that at this time I'd had two massive personal problems happen), but from the salesman's spiel I had a year of payment cover .

 

I paid the six month out of redundancy and then tried to claim on PPI ,to be told I did not qualify.

 

straight to PPI reclaim, whereby the finance company used every trick to avoid acceptance, although they did admit liability ,but the offer was set in non favourable terms.

 

. Eventually way back in 2010, they went into default and the matter went to FSCS , run by the finance company IN 2011 .

 

By this time, I had accepted that I would not get any of the debt paid off, but that the company had gone into default owing me ( from their admission £2500),

I thought that the matter was resolved.

 

Then last year, came a letter from RW .

So far, as debt is now well statute barred

, I’ve just ignored them as this sort don't seem to accept SB letters.

 

Then I thought- as there's considerable PPI ( £2500 in 2020, how much now ) , and RW insist that they own the debt, perhaps it might be a chance to let the DCA get bitten, by legally asking for the repayment of the PPI content..

 

So what line do I take ?

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

Welcome finance?

You claim the ppi against the OC not the dca

 

Send them our sb letter from our debt collection section of our library

 

Dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Yes, I'm afraid that when somebody buys a debt, they buy the rights but they can't buy the duties.


Share this post


Link to post
Share on other sites

Thread moved to PPI Forum.

 

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

 

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

Share this post


Link to post
Share on other sites
Welcome finance?

You claim the ppi against the OC not the dca

 

Send them our sb letter from our debt collection section of our library

 

Dx

Dead right.

 

Thought it would be a nice twist to hit RW with a claim for PPI.

Is that one for the "parent company" ,if I can find them?

 

Then there's another aspect

- don't ever remember seeing a "sell on " clause in the HP agreement.

 

But then again,

would RW have/be able to get a copy of the agreement

 

,and there's the final one

- last contact was with WF,

acting as agent for FSCS,

in ,

no later than 2011,

so it's now statue barred,

 

I'd suggest RW knows this,

is it just a case of a statue barred letter ,

 

or as others have done,

going down the CCA route,

as if I suspect, DCA will not be able to produce.

 

Welcome, & now RW owe me over £3k ,so there's no way I'm going to let RW get any cash.

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

so fscs managed claim then 90% [which is all you can get ] will go off against the debt

you wont see it

 

rw gets the SB letter.

job done


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I'm beginning to think that FSCS ( in this case run by Welcome) did nothing with the FSCS claim , as 90% of the figure that Welcome had said I owed was more than the figure Welcome had offered in response to a financial ombudsman LETTER , but Welcome had tied so many strings to their offer ,that I would have ended up owing them .

 

Add to this fact that the final offer was after receiving two others

,both of which had half my paperwork and half someone else's paperwork.

 

I instructed PPI reclaimer to delve further.

By the time PPI reclaimer had taken any action, Welcome had folded.

 

As mentioned , I did make a FSCS claim, but heard nothing, so I (wrongly ) assumed that all had been taken care of.

 

Out of interest is their a time limit on FSCS claims, as my last contact with FSCS was in 2011.

 

I'm tempted to go down the SB route,

but from other posts about RW,

 

I see that RW tend to ignore SB ,and there's no way Welcome or any of their associates are going to make any cash out of this after the PPI failure by Welcome, which my reclaimer estimated at well over the 90% that FSCS would have paid .

Share this post


Link to post
Share on other sites

oh well you'll be out of pocket then anyway using a claims management firm and their fees as welcome nor the FSCS will pay those off under their waiver.....


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

THANKS, dx.

 

I've looked through the template library and I'm torn between sending the "provide copy of agreement" letter ,or the SB one.

 

From the tone of the letter,

RW are threatening further collection letters,

or phoning me at work ( fat chance, asI've been retired six years).

 

But they've had plenty of opportunities to get heavy,

and I suspect they won't as I'd suspect they know it's SB.

 

But,

is sending them a SB letter ,

sort of lettng them know it's me,

whereas "provide a copy "letter makes them work for their money.

 

Advice ,

please- if I sent the SB letter as suggested,

 

what do I do if RW keep on bothering me.

Edited by dx100uk
spacing

Share this post


Link to post
Share on other sites

send the sb letter

then under the quoted conc rules they will then be in breach if they then threaten you..

 

not sure what part of a dca is not a bailiff...is not sinking in??????????? after 12yrs on cag


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

DX- sorry for seeming dense.

 

I do know the difference between bailiff & DCA,

 

I had experience of bailiffs during the Poll tax carry on,

and in the main part,

the ones I met worked to standards.

 

From what I've read of RW, they seem a shower of cowboys.

 

I didn't know about the CONC rules, so I at least I've got some protection from harassment from them .

Share this post


Link to post
Share on other sites

for info- I've been a member for a long time, but just to get info for kids on how to play the council on CT.

Now back to RW.

After some PC problems, I sent RW the SB letter along with the no callers one. Letter now back from HOIST Finance ( same address ), with no mention of SB, just stating a notice of assignment

and stating that RW will continue to service my account.

sO -NEXT STEP .

Do I send RW /Holst the follow up letter to SB ?

Share this post


Link to post
Share on other sites

if you've send the new SB letter then ignore them

its only a NOA not a demand for payment

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

THANKS, dx. What bothered me was the sneaky inference to phone RW . Fat chance of that.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...