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    • depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     
    • Still have to submit a statement either system....if they fail they can only give verbal because they failed to file and serve.
    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
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Coast / Welcome Nightmare


bob-k
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If its a reconstituted version...yes.

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what is the defaulted date from your CRA file.?

is this a joint loan on a jointly owned property or solely yours and your property only?

 

dx

 

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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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CRA file hasn’t updated to show the default date as yet. They only notified the agencies recently so I’m expecting it to appear on the next update. 
 

Loan in my name only. Property is jointly owned under the co ownership scheme mentioned earlier

 

On 11/02/2020 at 11:58, Andyorch said:

If its a reconstituted version...yes.

This although was rolled over loans, was the only secured loan I had ever taken with welcome. Previously were unsecured. 
 

hopefully that info will all come out from the SAR

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Thats interesting.......never seen a unsecured loan/s consolidated into a secured one...

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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quite a usual trick for welcome to do in their day andy.

let the borrower refinance numerous times 

 

then make them take out a secured loan years later

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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Share on other sites

  • 2 months later...

I’ve finally got a copy of the SAR through from coast and I wasn’t sure what I was expecting but damn that’s a lot of documents.

 

I’ll have to take some time to go through it all

 

however is there a way I can get it uploaded for review without owning a scanner in this current lockdown?

Or should I just wait. 
 

I hope you are all well!

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got a digital camera?

if so read upload garefully

 

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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  • 11 months later...

open

 

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Thanks for that.

 

Coast are back to me again.  Looking to up the monthly payments.  I have the SAR sitting here, But to be honest I dont really know what I am looking for.  They are saying that the payments need to be enough to clear the balance in the remaining term. (140 months) They have income and expenditure, and can clearly see thats its not affordable, and now want bank statements to back this up.

 

The last year since I started posting about this has been difficult, so Ive had no choice but to put this on the back burner...  Ive asked Coast for a settlement, just to get rid of this and move on with my life, but I fear any amount will be more than un affordable.  I have been making a monthly payment of £55 for a number of years now, but that just doesnt seem good enough.  I can also not afford to default on my current unsecured agreements as that will have job implications. 

 

Is there any advice or a guide on how I can move forward with this?

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get the SAR up please 

as it was obv defaulted by welcome years ago so it cant comeback on your credit file

 

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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Share on other sites

Thanks for that.  Ive scanned it all but at over 300 pages itll take a bit of time to redact all the relevant info.

 

In the mean time, should I post in the bank statements and keep those motions going forward?

Edited by bob-k
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why?

 only a judge can demand those...

 

 

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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Share on other sites

  • 1 month later...

pdf not working

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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also pop up on HM Land Registry - GOV.UK (www.gov.uk)

get a £3 copy of your deeds.

 

going by your very earlier comment you say property is jointly owned by loan is in your name only ?

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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Share on other sites

I’ll do that this afternoon. Thanks

 

thats correct. The property is joint owned, but the loan is only in my name. The other party is a help to buy housing association so they would be second charge. This loan is only in my name

 

I dont seem to be able to compress down to 5 MB,  Made it from 123 to 15, but not sure how to get any further.

 

Also, that gov.uk website doesnt appear to cover northern ireland.....

 

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will it not upload we can deal if we get it

 

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

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

loads of duplicate and unnecessary pages in that PDF about 50% can go.

lots of times your name is on letters still too!

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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I’ll go back through and edit / redo, but I didn’t think I should leave pages out. 

I didn’t think I’d left any names in though. 
 

sorry for that. 

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dont need things like sheets that are just std info with no data about YOU on them..only stuff with your data on it. 

so lists of std charging tariffs, fos info , DD guarantee sheets..I&E sheet that are not filled in by you but sent by them for you to do are not needed  .

 

try and put everything in date order too please

 

 

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

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