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Welcome want to offset PPI against loan subject to failed CCJ Attempt

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Sorry for the long post.

 

I had several loans from welcome in the early 2000s and on the last one i thought had finished and welcome said i had another year to pay and i disagreed.

 

Welcome took me to court in around 2008 and the judge threw it out and agreed with me.

 

I have recently claimed ppi on the loans and it was upheld but i have received a letter stating that i owe over £3000 and the debt was sold to a third party and the money would be offset against the debt.

 

I called welcome and said what had happened at the court and they said they have no record of them taking me to court and the onus is on me to prove they took me to court and i dont have the papers cause it was such a long time ago.

 

I have called the court and they said as a judgement was not made against me then they would have closed the case and also have no record of it.

 

What can i do???

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retitled and moved to the welcome forum

 

sadly regardless to them losing the case they can still offset.

losing a CCJ doesn't prove you don't owe them anything on their books

the debt still exists.

 

they would have to buy the debt back from the DCA

and prove this by NOA

but we've seen this before sadly.

 

have you sent them an sar to prove they have no data?

 

if not do so.

 

were all the loans prior to 2005?

and were they a refinance chain?


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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No i haven't sent an sar, the judge agreed that i didn't owe them anything.

It seems so unfair.

Am fighting a losing battle?

 

yes the loans was before 2005

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well if they are saying you owe them money they must have proof

so sar time!!

 

get everything they hold eh?

 

ideally you should never do a PPI reclaim without an sar.

as how do you know the claim is even correct?

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 

 

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I have all the original paperwork including the ppi documents and was told by the man that i had to have the ppi to get the loan. I will request for a sar.

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yes quite typical...

 

were these a chain?


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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then I bet they have not calculated things properly

each time you took a new loan the PPI from the previous one would have had extra interest added to it in the rollover and even MORE ppi added with even more int each time.

 

how did you calculate what you were due back?


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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They did the calculations and sent it to me. They also up held 1 hire purchase ppi and 1 loan ppi but declined the second loan ppi.

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urm..pers I wouldn't trust them as far as I could kick them.

 

are they lumping ppi refunds prior to agreements in 2005 with stuff after 2005

and if I said FSCS does this ring any bells with what they have written?

 

might be beast to scan up what they have returned with to one multipage PDF

read upload.

 

both prior and post 2005 can be refunded against an outstanding debt yes

but these each come under differing rules

 

they cant just lump all the PPI refund as one lump and say that's coming off a claimed debt.

 

it needs careful investigation


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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Is there any way i can send it to you to have a look?

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read what I said about upload


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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names showing on one sheet ...now hidden

 

write back refusing the offer

enc an sar.

 

this smells


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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