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    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
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    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Welcome 2010 £9k Secured Loan subject to CCJ - mortimer say i still owe £18k?


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We applied for a joint loan for £9000 in 2010 which was secured against our home,

in 2012 we were declared bankrupt but because we kept our house the loan stood

while we were going through our financial problems we defaulted on the loan.

 

We had then started making payments but with all the interest etc it went past the £9000 we originally borrowed.

We got the loan down to £6000 then hubby lost job and we seriously couldn't even afford to pay a penny and again it built back up.

 

The debt is now with a solicitor and now we owe according to them £18000.

I have requested from welcome finance every payment we have made, every statement etc they have refused.

 

We are only making payments of £65 a month going to take forever but its also gone to a ccj which should have been removed on Oct last year.

 

Where can I go for help with the dispute over the amount we owe.

Thanks

 

Solicitor is mortimore Clarke 

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get an sar off to welcome they can't refuse.

 

who are mortimers client, the claimant of the CCJ and the charge upon your deeds.

 

welcome would have added £1000's in unlawful penalty fees for everything from letters/phonecalls/arrears fees/it's raining today, your fault.

when was the CCJ attained 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... 

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Thanks for your reply.

We didn't even know they issued us with a ccj until I today got a credit report and it comes up, we had no paperwork warning us. 

 

I don't know when the ccj was issued just now on my credit report says it gets removed oct 2020. 

 

Mortimore Clark are welcome finance solicitor as far as I am aware... Nothing to do with the ccj. 

 

I know the ccj has been added to our property as end of this year we will be in position to pay of mortgage and its £18000 more then what we owe and mortgage company said its a charge for a loan so in theory we may pay it twice if I am paying solicitors (well in small amounts) 

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Ofcourse you wont be playing twice.

i think you dont fully  understand how a secured loan nor a ccj works.

 

You should have a charge dated from when you signed up to welcome against the property. That reminds until settled.

 

The fact someone, could have been welcome more likely cabot ? Got a default ccj in oct 2014 doesn't change anything with regards to what you ultimately pay, just a few more fee as it went to court

 

Your credit file will show who got the ccj

Your online deeds will show you who owns the charge now.

 

I suspect as welcome vanished in 2012 if not before i suggest the debt was sold on ? And the above won't show welcomes name?

 

 

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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Right OK.. So there is nothing I can do about the extra charges, the high interest etc...

As I stated, end of year we might in a position to offer to pay what originally we borrowed

but no way are we going to pay £18000

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Haven't said there is nothing you can do?

 

get your ducks inline 1st please

we need to know who is our target .

 

please answer the questions ....go look and check

 

we are very very familiar with these old welcome loans and how to deal but need correct details checked...

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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Yes

but we need the correct information.......

 

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

you will also need a copy of the CCJ and the particulars of claim on the claimform as...

you'll need the particulars of claim as we don't know the judgement sum nor if post judgemental interest was allowed.

did you defend it?

did you ignore it?

did you not get it? 

did you know nothing about it?

 

its very rare on welcome debts either taken to court by welcome (doubtful in 2013) or a DCA (more likely) 

i will suggest the debt was already at £18k before the CCJ so nothing bar court charges were added

 

please advise 

i love bashing welcome and DCA but we can't help until we know our actual target and who did what and when.

 

 

 

 

 

 

 

 

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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  • dx100uk changed the title to Welcome 2010 £9k Secured Loan subject to CCJ - mortimer say i still owe £18k?

I will get my paperwork out today and find out more on this ccj... As I stated my husband and I were both unaware of this ccj until we saw it on our credit file last year and was shocked as we had no paperwork, it's not as if we moved address. 

I have all the original paperwork from welcome thank god. 

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well get that sar running to welcome

sadly you have a shock coming upon how much of this debt will be unlawful penalties.

 

on your credit file- who's name is against the CCJ . not welcomes i bet..

did you go look at your deeds online 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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