Jump to content


  • Tweets

  • Posts

    • Hi GrievingMum   I fully understand and sympathise with your medical conditions.   The 3 screenshots/images in post#21 I have removed as I have converted those into one PDF which is now showing in that post.   CAG prefers PDFs rather than multiple screenshots/images but as I said I appreciate your medical condition so I have converted those screenshots/images into one PDF and removed the screenshots/images and left the PDF in your post.    CAG also prefers that all our caggers remain Anonymous on CAG, could I just suggest that when your have edited your document to just leave it for a while then go back to it and recheck that you have removed all info to keep you anonymous before uploading to CAG.
    • The letter send to contact them. Maybe if they wanted people to ring them they should put telephone? I was in India at the time so not really convenient to call them (I can prove this to them if it became an issue)  
    • Hi  I genuinely have not received this BUT I am not saying that it hasnt been sent as I am sure it will have been.   As i said, my son has the same name as me and I am sure if he had seen one of these, he will have let me know as he did when he opened the second letter. 
    • worthy notes from your thread..   .POFA doesn't apply the docks byeleaws and their signage is a miserable failure to create a contract with you either ( either an invitation to treat or prohibitive signage according to which one you read) . the land is not relevant land as far as the POFA goes so there is no keeper liability in this matter so there is no cause for action against me. As docks and harbours governed by it own byelaws these are supreme to any contract you claim to have so there is no contract for the driver to consider that is enforceable. . 1.There is no cause for action  as there is no contract between us.  The land is covered by its own byelaws that are supreme to anything you wish to claim is an offer so there can be no performance to the contract by yourselves.  . 2. As the land is not relevant land for the purposes of the POFA there can be no keeper liability and that means you had no reasonable cause to obtain my keeper details so any civil claim will be met by a counterclaim for at least £250 for your breach of the GDPR.  . you know it is a dock so covered by its own byelaws so therefore unlikely PE can offer you anything and certainly can't create a keeper liability. . PE has no locus standi , no cause for ation as land not "relevant land" and covered by its own byelaws. IN ANY CASE ss POFA not applicable there can never be any keeper liability.         
    • stuff silly reclaimers they take +35% and no it doesn't meet the deadline no harm in going to the RBS website and starting a claim.. you never know simply put the number of the card in and say you think you had ppi please investigate. say nothing more   they can only refuse you, but comeback here with what they say.    
  • Our picks

marsway43

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

style="text-align:center;"> Please note that this topic has not had any new posts for the last 356 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

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
spacing

Share this post


Link to post
Share on other sites

name names

tell us all the story please

 

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

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
spacing

Share this post


Link to post
Share on other sites

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 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

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.

Share this post


Link to post
Share on other sites

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 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 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

Share this post


Link to post
Share on other sites

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 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

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 .

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

so hows the sar and cca doing?


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

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...