two welcome finance loans

[toshyboy]

Cheers dadofholly

 

What do u think Welcome would do if MH return to them.

 

Do you think they would issue or try another DCA?

 

Ive read on here that theyre desparate to collect so im worried they may just issue straight away

 

Thanks

[dadofholly]

They can issue a claim but they won't. They know they cannot enforce the debt without the terms and conditions. Nor can they enforce while the account is in dispute.

 

They may try and send it out to another DCA - but there are template letters on this site to deal with that if they do.

 

Welcome rarely issue claims especialy if they know they can't win.

[toshyboy]

Hi Guys

 

Had a letter today and theyve sent me exactly what they did before - 1 page of the credit agreement.

[BRIGADIER2JCS]

Still no good, just tell them again account i dispute end of story,

totally unacceptable.

Brig.

[toshyboy]

Cheers Brig

 

Do you think I should just send the template again or send a manual letter this time?

 

Thanks

[dadofholly]

Just send them a short note saying you have already stated you position and that they have still failed to comply with you CCA request. State that you now consider their activities to be one of harrasment, and tht you will no longer respond tho any of their letters untill thay fully comply with your CCA request. And enclose a copy of the original account in dispute letter.

[toshyboy]

Hi Guys

 

Further development today - I had a statement through today from MH, not for the welcome loan however, for a debt i had with them a while ago for quickquid saying i still owe £23. That debt was with a JB Debt Recovery though. However. I do believe that these the same people???

 

Surely no coincendence that this has randomly shown up

[BRIGADIER2JCS]

I don't know of any connection between MH and JB apart

from the fact they are both in Scotland.

[dadofholly]

Have you recentley made a search on your credit file?

[BRIGADIER2JCS]

Searching your own credit file has no impact

and is not seen by anyone else contrary to

popular belief, it is more likely in fact the

only reason is that JBDR have just sent the

anual statement as required.

Also we are into the usual Xmas fest of

last chase the lemon debt.

[toshyboy]

Hi Brig

 

I got that from JBDR themselves.

 

QQ told me they were sending it to Mckenzie Hall and I queried that when i got a letter from JBDR.

Cant remember exactly now as it was a long time ago but it was something like

"we work closely with them as were part of same group and they pass us a lot of the debts to work on"

[toshyboy]

Have you recentley made a search on your credit file?

 

not applied for any credit for a considerable number of months

[BRIGADIER2JCS]

That's interesting there is no mention of

any links specifically, maybe I'' take a little research trip

tomorrow.

 

Brig.

[toshyboy]

Hi guys, hoping somebody can help me out.

 

i had an unsecured loan of £2500 with welcome finance back in 2006.

I was obviously in difficulty at the time hence using welcome, and eventually defaulted.

I then entered into an Iva which did not go the distance, and I entered into a payment plan with all my creditors.

 

I’ll be totally honest I don’t know how much I paid back given the time that has passed, but I’m confident it surpassed the £2.5k.

I’ve ran a credit report today, only to find an entry from coast finance solutions for £3.6k showing as late payment.  

 

I couldn’t find much about them on companies house, so was dubious about writing in blind and giving them my details (I’ve moved house in the last 13 years).

I spoke to them on the phone, and they advised it is the welcome debt that was £2.5k in 2006.

 

I’ve requested a notice of assignment, DSAR and CCA by e mail, but the the question is, can they suddenly start reporting my account as “late payment” after 13 years of nothing??  

 

ive worked hard to repair my credit file, which I finally did last year, so this is a body blow.

The guy on the phone also confirmed I’d paid £10k back already, and they still want another £3.6k.

 

TIA

[dx100uk]

old and new threads merged.

 

so what was your last payment

lots of threads on coast and old welcome debts here in the welcome finance forum where your thread is now too

 

sorry but you've been here 9yrs

gone thru the mill on several debts

but you still persist in in 

ringing DCA's??

and using email....amazing.

 

 

 

[toshyboy]

Hi DX - I know its far from the ideal, but I didn't want to give them my new adresss if I'm honest, to prevent being hounded.

 

Last payment was a couple of years back, I was paying via standing order

 

[dx100uk]

again you've been here 9yrs..yet you persist in running from your debts....

next thing you''ll know is bailiffs at your door for a backdoor CCJ you knew nowt about.

[toshyboy]

I’m very sorry if I offended you, I only came on to ask a question about credit reporting, rather than get a character assassination. 

 

i can assure you I’m not running debts from all debts,

I have made efforts to pay debts I feel are just and fare.

I am trying to fight to cowboys and have debts written off/dismissed. Absolutely! 

 

Unfortunately I am still paying from mistakes when I was nothing more than a kid when these cowboy firms took advantage.

I take full responsibility for my actions, but they also had a big part to play in the mess I got myself into. 

 

as a single dad of 2 disabled kids I don’t have much disposable income but do what I can to repay past mistakes, whilst also trying to repair years of damage on my credit file.

 

After 17 years of being in a mess, these last 18 months or so have finally seen myself repair a lot of damage, and Stuff like this out of the blue is a crushing blow to that, as I’m back to square one. 

 

I am responsible for the situation I am in, but have certainly not ran away from all of my debts

 

[dx100uk]

don't be too sure on that morality card toshy , throw it out the window, they do.

 

no harm in hitting them where is hurts

like a CCA request to coast.

 

and don't forget, it was defaulted more than 6yrs ago, so it cant comeback on your credit file.

so it cant ruin everything.

 

coast are a forign debt buyer that bought 10'000 of old welcome debts

simply trying to frighten people that don't know any better into wetting themselves and coughing up.

 

 

[toshyboy]

Hi dx

 

it has popped up on my credit file from nowhere,  as coast.

 

Reporting a statement as “late payment” in July 19, but states acc start date was 2006.

Only on credit karma though, equifax and Experian have no record of it

[dx100uk]

you have an SAR from welcome

find the default notice for whichever of the two welcome debts you have this is about.

then attach a copy of it to a letter to coast.

 

state they are to remove their entry on your credit file within 14days as the debt has already been defaulted by the original creditor and under ICO rules it cannot ever be re registered.

 

should you fail to comply with the above demand I will immediately open a serious complaint with the ICO and seek financial compensationfor the damage done to my credit worthiness.

 

in a sep letter

send them a CCA request.

 

you state you were paying until a couple of years back...who too?

 

 

[toshyboy]

I was paying UK search up until a couple of years ago.

 

ive just gone through the old SAR and there is no letter with a notice of default. Just basically the loan agreements, balance history and copies of my id etc when I applied for the loan 

[dx100uk]

Check the comms log..operator notes.

Bet its listed

Just type..no need to hit quote.