Jump to content


  • Tweets

  • Posts

    • When I go into MCOL the only document is the Defendant's Response from Sept 4th, there they state that they dispute the claim and then every space on the form states "see the email we send to the courts and N244 etc". (uploaded PDFs above).   So does the latest N244 and witness statement count as their defence? Feels like a complete abuse of process.
    • Thanks for replying DX.   Yes, It was over the 50% No, I didn't use your VT letter   The only thing I'm worried about, is the impact on my credit file, which until Link intervened was excellent.   What is the 'seby summary line'?  
    • Did you not receive a notice of sale before the auction, stating time and place of sale and your amount outstanding? Schedule 12 40(1)Before the sale, the enforcement agent must give notice of the date, time and place of the sale to the debtor and any co-owner. (2)Regulations must state— (a)the minimum period of notice; (b)the form of the notice; (c)what it must contain (besides the date, time and place of sale); (d)how it must be given.
    • Summary disposal /Judgment now without even submitting a defence....... they never intended submitting a defence with or without an agreed extension.   Evidence: applicants must identify the point of law or document to be relied on and state the grounds for making the application in accordance with CPR 24.2.   An application for summary judgment is usually only made once the defence or acknowledgement of service has been filed. Summary judgment applications are suitable in cases where the party making the application considers that the case is a clear cut matter of fact or law, in which oral evidence is not required. It is also used when the applicant considers that the other party has insufficient evidence to prove its case. There are considerable potential savings in terms of time and costs.   An application notice must be completed, then filed and served along with the supporting evidence - usually a witness statement together with copies of any supporting documents. The supporting evidence will set out the reasons why the applicant considers summary judgment to be appropriate.   The respondent also has an opportunity to rely on written evidence, which must be served in good time for the hearing.  
    • It goes on and on.   Did the bars staying open even hold water? This is in the article you linked to. My bolding. The regulations announced by Boris Johnson last Thursday state that “workplace canteens may remain open where there is no practical alternative for staff at that workplace to obtain food”.
  • Our picks

    • Ahmed Alwaheeb's firms sold cars riddled with faults – and which sometimes had government recall notices. https://www.consumeractiongroup.co.uk/topic/427369-ahmed-alwaheebs-firms-sold-cars-riddled-with-faults-%E2%80%93-and-which-sometimes-had-government-recall-notices/&do=findComment&comment=5071860
      • 3 replies
    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 8 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • 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 .

Welcome loan sold to Cabot then to Ascent/2nd charge removal?


Recommended Posts

Hi all,

 

in 2008 I took out a secured loan of over £10k from Welcome and within a few years struggled to make the payments. The loan went to Cabot on Welcome's demise and then to Ascent. 2 years ago, instead of consulting this site(!), I started paying Ascent less than £100 a month (don't want to be specific, in case they're on here) and this has brought the amount down.

 

The balance is still over £10k and there is a charge on my property.

 

Having spoken to Ascent, I have asked for a settlement figure and they want and income/expenditure thing (not something I trust, it's just to see what they can squeeze out of you I think) before giving me one. I have offered around £4k.

 

My main priority is to get the second charge removed. And hopefully for a substantial discount or nothing.

 

Any advice from here please?!?

 

I understand now that I shouldn't have paid them anything but as there is still a charge on my property I felt I had to.

Link to post
Share on other sites

It is very rare for a creditor to accept a partial settlement on a secured loan. Most secured lenders who have got a charge on your house will usually reject an offer.

 

Regards

 

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 The National Consumer Service

 

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

Link to post
Share on other sites

ever sent welcome and sar to see if you've been spoofed out of PPI life ins unnecessary building/contents ins, MIF etc etc

and was this your ONLY loan with welcome?

 

these could be worth £1000's in reclaiming.

 

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... 

 

 

Link to post
Share on other sites

Ok Andy we'll see what they say.

 

I haven't Dx, I don't believe I had ppi with them but it's something I'll look into. Would you point me in the right direction for the correct address?

 

I'm sorry but what is MIF?

 

Thanks.

Link to post
Share on other sites

welcome yes

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... 

 

 

Link to post
Share on other sites
  • 5 weeks later...

Welcome have sent me the files and accounts from my SAR and it reveals no PPI, no MIF, but does contain many fees and confirms they have a second charge on the property.

 

Can I reclaim fees (plus interest)?

 

Can I request they remove the charge?

 

The typical fees are default sum fee interest, unpaid d/d, outside calls, skip trace, letters, telephone calls, acceptance fee for the loan and broker fees.

 

What would be your advice to do from here?

 

Thank you.

Link to post
Share on other sites

yes

no

default sun int - no

acceptance - no

broker - no

 

the rest are fair game yes

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... 

 

 

Link to post
Share on other sites
  • 1 year later...

open

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... 

 

 

Link to post
Share on other sites

Thanks dx. What is my plan of action from here as 'Ascent Legal' are now the owners of this debt and I still have the property. I feel if I was to stop paying they could enforce the charge.

Link to post
Share on other sites

how did a charge get put on your present property when it the loan was taken out against your old one that got repo'd and you've since moved?

 

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... 

 

 

Link to post
Share on other sites

Sorry I should have been more clear. 

 

I also own an apartment - the welcome loan was financed against that. This was in 2008. I still own it and rent it out.

 

With the demise of welcome and my inability to afford the monthly payment it was taken over by Ascent. 

Link to post
Share on other sites

so back ful circle to how much of this charge is unlawful fees etc.

 

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... 

 

 

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...