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    • OK, so Idem has sent back the quickest response in history following the CCA letter from my OH. An envelope arrived today.   They've sent another copy of the original and signed, application form  from 2000 - most  of which is illegible however, husband's name, address and signature is clear - the small writing is very blurry.  They've also sent numerous A4 pages of what they say is the agreement (it's photocopies of what look likes old pages). There's no signature on it. It's just pages of A4.    Does this help us at all??   Also, am I right in thinking that day claim arrived (4th Sept) + 33 days = Monday 7th October, which is when the defence needs to be in by?   Thanks as always.
    • Hello all,    I have received a letter from Advantis in regards to an overpayment of carers allowance I received when I got a job whilst I was caring for my mother. I did not know I had to inform them etc.    Long story short, I had a compliance phonecall with carers and nothing more was said.    I stopped caring for my mum shortly after and cancelled my carers allowance too.    I was employed for 4 months at the beginning of 2018.    Apparently the DWP and carers have sent letters but I haven't responded so they've gone through Advantis to recover the amount owed. I moved house shortly after cancelling everything and had no contact from them at all.    They sent letters to my previous address so they told me that's why it's been passed onto Advantis.    Today DWP told me that the only thing they can do is take payment in full, or deal with Advantis to come up with a payment plan.    I spoke to Advantis who asked me to pay in full or in two installments, I refused and they then said they've put my account on hold for 30 days whilst I go away and work out my monthly income etc so they can go through an affordability assessment to work out how much I can pay back and how often.      What shall I do? DWP tell me there's nothing they can do as it's been passed onto Advantis.    Advantis tell me they are working on behalf of the DWP... Nobody will tell me who owns the debt.     What shall I do?    Thank you all in advance for your amazing help.     
    • Hi, I have just received a pcn from Euro Car Parks saying that my car was in one of their car parks for 13 mins without making a payment. The reason being is that my husband was waiting for me, but where he thought I would only be 5 mins I was longer because of health issues and I had to take a rest. As if this wasn't enough, unbelievably I have just received ANOTHER notice saying I had not paid for a ticket on the 9th of September. I would like to mention the car park charges are so cheap, at £1:20 all day, it would be insane not to pay. We have used this car park only around 4 times and have always paid, excepting th time the car was waiting for 13mins. What a shock I have got receiving these notices. I wonder if I accidentally keyed in my registration incorrectly? Please can someone advise.
    • I also have a similar problem with Advantis for DWP overpayment of carers allowance. I've only just moved into my own house and they've sent a letter asking for my whereabouts and a business matter that needs my urgent attention. I have found out from the DWP and carers that I owe £1,131 and Advantis want me to go through an affordability assessment.    I am not sure who owns the debt, DWP or Advantis and where I stand with this 
    • I've just had this emailed from CarMoney. I'm so confused, I really don't know what I'm supposed to be doing and with whom. "Apologies for the delay in response. I have spoken to Oodle regarding the complaint and unfortunatly, they would require an independent report to be carried out on the vehicle. The burden of proof would lie with yourself.   I can certainly help by giving you the details of Scotia, who is the company that we use."   Everything I've read says that I did the right thing by exercising my rights under the CRA 2015 with the dealer. That was done within the six-months, so the burden of proof should be on the dealer still? Or am I completely wrong??
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Lillychick

Welcome Finance PPI Offsetting advice needed Please

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Hello

 

Not been on the forum for a while. I hope everyone is well.

 

I recently made 4 sperate claims for PPI to Welcome for unsecured loans taken out in 2001/2/3/4.

I successfully claimed for 2001/2 loans through Aviva as the underwriters of the insurance.

These have been settled and paid to me.

 

I’ve received correspondence from WF about the 2003/4 loans.

They have upheld my complaint on both and the sum due is around £2.5 K.

They have also said however that my account was sold to a third party with a balance of over £3K and that the intend to re-purchase the account and apply my compensation to that balance.

They have sent me a form to sign to agree to this, which obviously I’m not going to do.

 

Firstly

I’m unable to verify the amount they say is outstanding on my account.

 

When my SAR arrived it contained all of the loan agreements and 3 printed statements pertaining to the first three loans but not the final one which I obviously defaulted on.

 

When I queried this they said they had sent everything that they held for me.

How they’ve managed to arrive at how much was owed when they’ve said that 4th statement didn’t exist is one thing.

 

The amount does seem high to me as the 4th loan was for just over £4K and I was paying it (albeit it an agreed reduced rate) until at least mid 2008.

 

Is there any further I can go with this or it the end of the line?

I’ve read about Welcome offsetting on some other threads so I’m not hopeful.

 

Also

I assume the paperwork they’ve sent is with the intention of resurrecting the debt if anyone is daft enough to sign and send it back.

 

Are they likely or even can they resurrect the debt on the back of the successful claim without the signed paperwork?

 

Thanks in advance for any advice.

Edited by dx100uk
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If you've not paid in 6yrs the debt is SB'd so cant coneback

 

As for the offset

There is little you can do about it sadly

Other than complain its not fair

You could mention they are sb'd

But an OC can do so even if it is

 

I will assume you are in E&W and not Scotland


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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

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Thanks for the quick reply.

 

That’s pretty much what I thought but just needed it confirming. Oh well. Strangely I don’t recall ever being pursued for this debt by a third party after I defaulted

 

And yes I’m in E&W

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Probably because you moved?


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 

 

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Probably because you moved?

 

Possibly. I did move around a lot back then. I felt sure I was still paying WF when I moved to my current place, but I can’t be absolutely certain.

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Incidentally has anyone ever asked WF in this situation for proof that they did ‘re-purchase’ the debt and are indeed the legal owners? I’ve been thinking about how difficult it must be to track such a debt down after all that time. Not only that but surely there is no guarantee they will be able to re-purchase?

 

Not straw clutching just genuinely curious about why they are so confident they can easily re-purchase a debt and if people are being put off taking it further because they think it’s a lost cause. Surely they would need to prove ownership of the debt to justify keeping any compensation?

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twill be easy for them to track it down

 

you could ask them to provide a notice of assignment under the law of properties act 1925 before they do so.

and they must produce it too.


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 

 

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Hello

 

I thought I’d just report my partial success with this matter after taking it to the FOS. I’ve not had the paper work through yet, just a phonecall with an adjudicator at the FOS.

 

As I understand it the amount awarded and subsequently being used to offset the original debt was in respect of loans 3 & 4 joined together.

 

As loan 4 was a rollover and partially used to pay off the balance on loan 3, the FOS have advised WF that they shouldnt withhold the PPI refund due in respect of loan 3.

 

WF have agreed and will be making an offer of just short of £600.

The amount used to offset is now just over £1000.

The difference is because the PPI was front loaded and loan 3 paid off early with loan 4. I hope that makes sense?

 

The adjudicator advised that as offsetting is standard and accepted I’d be unlikely to be successful with pursuing that angle for the balance. I can of course take it on to an ombudsman if I wanted to. I won’t be though.

 

So whilst my offsetting complaint wasn’t a success, it was worth taking it further and having the sums looked at properly. I just thought that this info may be useful to others pursuing WF for multiple claims.

 

Thank you again for the advice. I will make a donation to help you great people keep helping the rest of us. Take Care

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