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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.   I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.   As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.   If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.   They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.   If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.   The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.   They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.   Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
    • Go onto the MoneyClaim website and see if you can apply for a judgement. If you can then go straight ahead and do it. It may be that somehow they have overlooked it – or else it has gotten lost in the post. Go to the MoneyClaim website now and let us know
    • If he needs someplace to go and can save up a small bit of money. Try getting him to use Spareroom  He will beable to find something on there I rent from a location and have been here 8 years. ITs a start until he gets himself back on his feet  
    • Update:   Claim issued 01/09/2020 and Hermes filed an acknowledgement of service on 07/09/2020 ("I intend to defend all of this claim").   28 days have passed and there is still no defence - do I need to do anything?  
    • no he was told  he was approved for the IVA, he has the mail saying so, Creditfix    said they  only accepted people who had a 100% chance of being accepted   He was not told  it had failed byt them he had to ask as they never let him know,  they also have not told any of his creditors it had failed so they are all now hounding him  
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
       
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
       
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
       
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
       
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
       
      I’m literally at the end of my tether and don’t know where to turn next !
       
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .

old £7k welcome loan, now with prime - they say i owe £15k!!


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Hi, I need some help with an issue.

 

I'm currently collecting evidence against a finance company who say I had a secured loan in oct 06.

I did take out a secured loan with this company in Feb 06.

 

My question is if a charge was placed against my property in Feb 06 for a £7k loan, if I had then taken out a loan with the same company for £12k in Oct 06 would they have had to raise another charge.

 

I have requested this info from Land registry and am waiting for them to get back to me.

Edited by dx100uk
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name names

tell us all the story please

 

dx

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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company I took out the loan with was welcome finance,

I have the original paper work for the loan in feb 06 for £7000 over a period of 84months 7years, bringing the loan to a close feb 13,

for one reason or another I did not notice that the loan should have finished until I had issues lately making re-payments.

 

I was informed by the now company Prime Credit that the loan I took out in Oct 06 was for £12k over 15 years.

They have no signed paper work to support this, no evidence that I have had the loan.

 

I have bank statements and original documents to confirm a loan in feb, but nothing in oct.

My bank statements show no payment in from this company in oct 06.

 

I'm trying to get back the £13500 I have over paid them in the last 5 years.

 

Prime credit who took on the account in 2016 have dismissed my complaint hiding behind a time barred loop hole, as it is over 6years old.

The ombudsman has been involved but Prime credit are not regulated by the FSA although it seems their administrator Acenden Limited are.

 

So I'm try to collect all the evidence I can to prove I never had this loan so I can make a case against someone

Edited by dx100uk
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ho ho ho

how did I know it was welcome and prime credit

 

moved to the welcome finance forum

 

have you sent welcome an sar?

I bet you re financed or indicated to welcome at some point that you wee in difficulty

and you are now suffering the re write syndrome that all welcome finance telephone ops did at that time

that is to fill out a new agreement without you knowing and even forging you sig.

 

hard road ahead i'm afraid

 

read me

https://www.consumeractiongroup.co.uk/forum/showthread.php?467097-Welcome-secured-loans-charge-sold-to-Alpha-Prime-repo-received-***Claim-Dismissed***

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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Yeah seems there are a number of people with issues with them, any advise of where to go ?

 

The way I see it is there is no point going after Welcome as they would just pass it to their liquidator.

 

So I assume it's Prime I need to pursue, I have logged a complaint with Acenden who are the administrator for prime.

 

Any advice would be appreciated as I want the £13500 I have overpaid them back.

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who says you didn't owe it?

have you sent prime a CCa request

have you sent welcome an free sar to get everything they hold on you?

 

id 99% guarantee you re financed and you do did owe the money.

 

the charge stands for any latter associated amount if it was another rewrite that settled the charge agreements sum

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

I say I don't owe it.

The 7k was never in dispute that I took out in Feb 06, where the 12k came from in Oct 06 I do not know, I never refinanced or contacted them in any way.

 

Payments always on time. T

he only thing that we did do was reclaim the PPi some years ago.

 

I have not sent a CCA or SAR yet,

I wasn't aware of what they were, thank you.

I will get them sent to them asap

 

Prime have told me they have been in touch with welcome and they have no original documents for this loan

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do not listen or believe a word prime nor welcome say.

 

get that CCA running to Prime

get that SAR running to welcome.

 

go read that thread I posted earlier. too

 

it would also be of benefit if you post up all the comms with everyone in date order to ONE multipage PDF

read Upload.

 

we have an expert here who'll be along soon.

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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Omg your in for some fun....

 

Dx I wouldn’t say I’m an expert but I’ve had almost 3 years of banging my head up against a brick wall with these...

 

Can you get a copy of the title register from the land registry to see if prime/Alpha credit are on there.

 

Do not take your eye of the ball with this at all

 

Get 2 files going one for prime one for welcome. All will become clear a year or 2 in... I know have 4 big files.

 

Every letter you send to welcome put in one file and each response you get in after and do exactly the same with prime...

 

If you had Ppi get on to welcome asap and get a claim going.. it will only come off your debt but will help you if prime issue court...

 

I know my thread is massive and a bit confusing but if you start on first page then skip to where Prime came in roughly page 8.. then it all starts hotting up .

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Thanks, I think... lol And there was me hopping with all the evidence I have that this would be a quick fix.

I'll have a read of your thread properly and will get myself some files.

Thanks again

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You’ll need a bottle of something and a few hours!!! 😂

 

Don’t think anything will be a quick fix with prime. And do not expect them to respond and properly answer your questions.

 

Never ring them.

 

Land registry ASAP pay £3 and get your deeds after this you may need to pay a further £7 to get more info

https://eservices.landregistry.gov.uk/eservices/FindAProperty/view/QuickEnquiryInit.do

 

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/709860/OC2__2018-05-25_.doc

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  • 1 month later...

so hows the sar and cca doing?

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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