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    • Ok, he will not budge and is refusing the £1775 offer to settle which to be honest in my opinion is more than generous. If I agree to the 1700 I'm losing out on over £500 on the car plus original delivery cost, so I think I may put this through ADR. 
    • Forget about Creditfix and an IVA, his creditors voted against it.   "It’s good news your IVA has been approved.   Please be advised that there is no need to worry and you will be contacted accordingly regarding the outcome."   It's a poorly written email as it can be misconstrued without further explanation. The outcome was that creditors rejected Creditfix's 'approved' IVA application. Even so, as he'd already failed a DMP, maintaing payments towards an IVA could've proven difficult for him but he might have shoehorned himself in to an IVA so he could keep the car and eventually write off the debts.   While DCAs have no power of enforcement, I disagree that it's nothing to worry about. The IVA proposal is an admission of liablity so unless the debts are already statute barred, there is now six years for creditors to make a money claim against him which would be the next step if they continue to pursue.   He can wait around and then try to challenge any money claim or he can actively challenge liability for each debt beforehand which could have some success. A successful money claim would result in a CCJ, and he might already have some CCJs against him so he's vulnerable to an attachment of earnings order unless he's self-employed. He's also at risk of a bankruptcy petition being filed against him.   How much is the car worth and how much is left to pay on the HP agreement?
    • OK, then use the letter dx mentions in post 34 as your starting point.  It obviously needs to be tweaked and bits cut out that are different from your case.  I would also add:   "Your clients know full well I was not the driver, so as I was nowhere near the Airport Pub I couldn't enter into any contract with your clients, even someone with GCSE grade 1 in law could work that out.  No keeper liability has been established and to boot the signage is a prohibition.   I'm sure you read DDJ Harvey's judgement in Lewes on 24 April.  Not very happy with the Unicorn Food Tax companies like your clients make up, was he?   Your clients can either drop this foolishness now or get a good hiding in court, both are fine by me.  A juicy unreasonable costs order under CPR27.14(2)(g) would do nicely to finance my winter holiday.   COPIED TO SMART PARKING"   Put the ideas together then please put up a draft of what you propose to send.
    • They haven’t served me the application or any documents at all    I only know this because I rang the court    protocols don’t apply To  them apparently      they haven’t followed any rules - just pressure all time  but I have a defence and I’m entitled to have my time in court with it 
    • You need to be very carefully want you sign or agree to !   I'm afraid 11 years won't make any difference when it comes to AST https://tinyurl.com/yylxnpmc   Rent increase https://tinyurl.com/y3xhgtsb   If they want the property back using s21 notice read on https://tinyurl.com/ycmqz9ds   or s8 notice read on https://tinyurl.com/ydhejzrk   Links take you to shelter website assuming you live in E&W.
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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!
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    • 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

two welcome finance loans


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I had a loan with welcome that uk search are now chasing me for.

I provided a financial statement offering to pay £1 a month.

 

They come back and said they wanted a tenner.

I wrote back saying financial statement shows I can only afford £1 and subsequently set up a standing order.

Heard nothing for about a month

 

i have received a letter stating i've ignored previous requests to sort the debt out and they are considering formal action.

I genuinely cant afford a tenner a month so am now worried about what they will do next.

Any help/advice would be much appreciated.

 

Thanks

 

Toshyboy

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fire off a cca request

how old was this debt

 

ie when did YOU last pay anything?

 

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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and previous to that?

 

BTW: they have NO LEGAL RIGHT to see any of your pers fin details.!!

 

90% of welcome agreements are riddled with mistakes like mis-sold ppi and are inflated by unlawful charges etc

 

do you have the agreement?

 

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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  • 2 weeks later...

i've had a further letter today from an Incasso Solicitors acting on behalf of UK Search threatening action and telling me to contact UK Search.

Starting to worry now.

Has anyone heard of these?

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tell them again about your proposal for £1 a month

 

inCASSO SOLICITORS?? THEY ARE PROB UK SEAECH OWN SOLICITORS AND I WOULD NOT WORRY TO MUCH

 

IT SEEMS THEY ARE ONLY COLLECTING ON BEHALF OF WELCOME AND ARE NOT THE CREDITOR SO THEY CANT TAKE LEGAL ACTION IN THERE OWN NAME.

 

IF YOU DO GET A CLAIM FORM, I CAN USUALLY TIE THEM UP IN KNOTTS SO DONT WORRY TO MUCH AS WELCOME AS A RULE HARDLY EVER GO TO COURT AS THEY DONT LIKE THE DIRTY LAUNDRY AIRED IN COURT

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Incasso are absolutley nothing to do with UK Search LTD, The are one of the biggest recovery companies in the UK and have offices world wide. They actully was awarded with "Legal Recovery firm of the year". Dont take these people lightly they are known to take action.

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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Incasso as you know from previous posts on here have been involved with Welcome since October 2010 and as Incasso are LEGAL Recovery firm (Solicitors) they certainly can take action.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?282230-Welcome-upping-their-game-with-dca-collection

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?282184-Here-We-Go-Again!!!-****-amp-Incasso-LLP

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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they can take action but welcome must be named as the creditor

 

not uk search

 

ahhhhh I see have Uk Search not bought the Debt from Welcome ? if not your right Tut tut Welcome

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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scan0001.jpg

 

ive uploaded the letter above guys.

 

Thanks for your help with this

 

Hi guys

Just to update I sent a letter to Incasso telling them about my offer to Uk Search on 23/01.

 

I've had a letter this morning from Uk Search saying they will not refuse any payment and cannot accept any instalment below £5 a week.

 

They say unless I pay this collection procedures will contunue and doorstop agents and/or county courts claims claim could follow.

 

I'm really worried now as I dont want anybody coming to the house as my partner knows nothing about these, as the debts stem from before we were together.

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  • 2 weeks later...

that jpg is a postage stamp..

post it up as below

and also your agreement if you have

 

scan the required letters/agreements/sheets

remove all pers info inc barcodes etc but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

 

when was YOUR last payment, how much do you poss owe....

then full history 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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letter from uk search.pdf

 

Hi = I dont have a copy of the agreement.

 

I have attached a copy of the letter I received from Incasso, my subsequent response and then the letter I received today from UK Search.

 

The last payment I made was to Uk Search for £1 last month. The last payment to welcome was the one on my iva which I think was around november 08

 

thanks again for your help

letter to incasso.pdf

letter from incasso.pdf

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urm.. i don't like the look of all this, somethings not right.

 

you say your have two welcome loans in the letters

 

i would SAR welcome and get everything they have & the agreements

 

tell us the history with welcome please

 

most welcome debts are littered with unlawful charges & mis-sold PPI

you p'haps need to get reclaiming on two fronts, the charges & PPI on both loans

that should kill the balances.

 

dont pay anything more than £1 for the present

if they wont accept it tough luck on incasso etc.

 

if they continue to wave their arms CCA them & also state you are disputing the balance as it contains unlawful charges & PPI.

 

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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how do you mean doesn't look right?

Do you think they may not be acting lawfully?

 

Originally I had 2 unsecured loans with welcome finance.

I got into a mess with my debts and went through an iva.

I paid the iva for about 2 years before it failed as i couldnt afford to pay it.

 

About 6 months after that I was chased for 1 of the Welcome loans by lewis debt receovery.

They accepted my £1 a month offer no problem as have about 8 other creditors who were included on my failed iva.

 

In the last month or so UK Search have contacted me out of the blue with regards to the 2nd welcome loan.

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there will certainly be stuff to reclaim from both debts i bet

 

get that sar fired off to welcome.

 

i would continue to pay welcome direct not through any dca's [though lewis is welcome anyhow]

 

pay direct using internet banking using the details you already have for welcome for each debt

 

lets wait for the full history by the sar.

 

are these two debts linked or totally separate?

 

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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The 2 debts are totally separate.

I also sent a cca request to uk search last week.

I will fire of sars when I get home tonight.

 

Would uk search not get funny with me if I stop paying them and pay welcome direct?

Is the debt not now their's to recover?

 

Thanks for your help

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unless you have received a doc entitled notice of assignment from the current leechers pay the OC.

 

you only need to send of ONE sar request to welcome

 

that will get you back everything they hold on you on all debts.

 

if you must

write to uk search and inform them and their muppets that you are paying the oc direct and that the account balance is in dispute due to unlawful charges and mis-sold ppi/gap/etc etc

 

have you any idea if you have ppi btw?

 

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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  • 4 weeks later...

Hi Guys

To update, Sat morning I received a letter from Welcome acknowlodging the SAR and that paperwork will be with me shortly.

 

Today I habe received a letter from McKenzie Hall chasing me for the 1st welcome loan which i have been paying £1 a month to Lewis Debt Recovery for since 2009.

 

Surely they cant send me 2 to agencies for 1 debt??

 

With the 2nd loan I've notheard a peep from UK Search and had no reponse to my CCA request. Can they still chase me for this now the timeframe has elapsed?

 

Thanks

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  • 6 months later...

 

Hi all.

 

Have a bit of a problem with this trio.

 

I had a welcome loan which I defaulted on and was initially passed to Lewis Debt Recovery.

I agreed a payment plan with Lewis and set up a standing order which has been going out since 2009.

Havent heard a peep of Lewis since so as far as I was concerned eveyrthing going along tickety boo.

 

Then in Feb this year I received a letter from McKenzie Hall stating they had been instructed by Welcome to collect the debt.

Called them up and wrote to them explaining I was already on a payment plan with Lewis.

Said over the phone they would put account on hold and contact Welcome as account obviously shouldnt have been passed over to them. Never heard anymore of it

 

I got another letter today from McKenzie Hall some 6 months later.

Called them again and the woman said Welcome have instructed them to proceed to collect debt as they have had no payments in over 2 years.

 

Informed her its been paid by standing order since 09 direct to Lewis Debt Recovery, but she has said action will continue as Welcome dismissed the query.

 

Not sure where I stand with this can Welcome and Mckenzie Hall do this?

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Hi, I take it Welcome did not inform you

that MH had been assigned to collect the debt?

If so then you can tell MH that you have no liability

or obligation to pay them, and that you have a payment

arrangement with the Lewis Group and they should refer

their queries to them or Welcome as you will not be paying them.

Next a formal complaint to Welscum demanding to know why

the debt has been passed to MH while you are paying Lewis,

and that your require a statement by return of post showing all

payments paid to Lewis and passed to Welcome.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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IMO if Lewis have denied any payment for two years then I would be stopping all payments, or at the very least, reducing them down to the token payment of £1 until this is cleared up.

 

Not only have Lewis failed to send you a statement of account annually, they have clearly failed to record your payments, so who has been living off your payments for the last two years??

 

Stay OFF the phone or you will only end up speaking to phone drones like this who have no idea what they are talking about.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Boo, it's Welcome denying any

payments for two years, so what have

Lewis done with all the payments if none

have reached Welscum?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • dx100uk changed the title to two welcome finance loans
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