Thank you

But if they are bankrupt can they get ccj?

Hello; Is anybody knows if Welcome finance can apply for a Charging order on the house. I've taken unsecured loan from them.

In 2006 i got loan to purchase a car. I borrowed £6950 plus £1000 (for insurance some kind) Totally £7950. Duration of agreement 48 month with 40.2% APR. Total repayble £15061.12. I paid £305.45 a month. In 2007 I took another loan for £2000. Agreement for 36 months with 60.10% APR. With monthly payments of £109.74 a month. In 2008 I couldn't afford to pay for the car and asked welcome finance to take it. They didn't want car back and said that they will help me to ease monthly payments. The said thay put both loand in 1 agreement for 60 months with monthly payments of £127. To which I agreed verbally. I started paying them monthly. About 2 months ago I called them and asked how much I owe them. They said they I have to pay them for another 6 years and I owe them nearly £10000. I thought It wasn't right. They said they gona take a car away because i didn't pay 1/3 for the car. That's why I requested SAR to see what was happening. So documents arrived. And I found the aggreement where they pu both loans in one contract for 120 months. I discovered that it s not my signature on the agreement and the date was wrong 30/05/2008. That date I was in Thailand so I phisically couldn't be in UK signing a contract. I called, them They admitted the forgery. Next day they called me and said the forged documents doesn't change a thing and I still owe them £10000 pounds. ( By the way according to the SAR since 2006 I've paid £9400). Regarding the forgery I contacted police fraud department. They sent me letter I quote: Broadly speaking there is no specific criminal offence in using identity belonging to another. In relation of this incident please send the copy of this letter to the company (Welcome finance) ... ... They can decide whether or not to request an investigation.... . Now I don't know were I stand. I will have an apponments with citizen advice bureau next week. If somebody please could give me advise what else I could do. Thanks.

Hello. I received my SAR from Welcome. I've found a second agreement with them for 120 months (I thought it was for 36 months) but signature doesn't look like mine and the date 30/05/2008 is wrong. I've got a prove that on 30/05/2008 I was in Thailand (customs samp in my passport). Is my second agrrement a fraud and what to do now? Thanks

thanks for responding. i did stop paying welcome finance. The sent me default notice and threatening to take a car. I didn't sign second agreement ( I don't have second agreement copy) that's why I need SAR. THANK YOU AGAIN I WILL SEND SAR REQUEST AND ENCLOSE 10 pounds postal order.

Hello everybody.I just need some advice please. I took a car loan in 2006, signed the agreement with welcome Finance. The amount of credit was £7950 over 48 months total amount repayable 15081.12 (40,2% apr). My first payment was made on november 2006, monthly payment was £305.45 which i I kept paying until may 2008. After a phone conversation with welcome finance it was agrred to reduce my monthly payments to 127.84 a month. I thought I was paying for the same agreement. But recently i found out that I signed another contract for £127.84 a month (i cant remember signing it) which extended my payments for another 10 years. Now i Want to make a request for SAR. Do I need to do it separetly for each agreement and send payments in total of £20 pounds? P.S I do have my first agreement with them. But I don't have the second agreement. Thank you

I have not filled the form yet. And the hearing is on 11/11/2008

Hello again. I'm filling the defence form and I dont how know to answer these 2 questions: -Do you want the court to consider whether or not the terms of your original loan agreement are fair? Yes or NO -Do you intend to apply to the court for an order changing the terms of your loan agreement (A time order). Yes or No. Of course i would preffer lower rate of our mortgage and no fee for late payment etc. But will it work? Thank you

Thanks a lot. I'll do that.

Yes i've got it

Hello Ell-enn. Thank you for helping me. But I'm not sure what Q27 is.We received: Claim form Particulars of claim for possession Defence form and that' s it. What is this form and where i can get one? Thank you

Thanks. I'll wait.XXX

We just got the claim form on friday. We have'not filled the defence form yet.

I forgot my mortgage company is Advantage (Morgan Stanley Bank International LTD).

Thank you for your support. You are very kind. I'm feeling a lot better now.

Hello. I've read few threads about repossession. I've got similar situation here. We are two months behind of our mortgage payments which is £1600. Two months ago we agreed (on the phone) with mortgage company that we pay £300 extra on top of our monthly payment which is £900 to clear our arrears. Still the mortgage company is taking us to court. The hearing will be held on 11/11/2008. So I dont know what to expect from the hearing. Will be our house repossessed even we are paying more and who is gonna pay court's fees. It's very hard to clear the arrears becouse the mortgage company charging us every month for payment delay or for sending letter to us. Thank you.

Hi there. Here I'm again. I've received a letter from Natwest but it is not what i've expected. They say my claim is on hold becasuse Natwest asked FOS and courts not to proseed with any case until the test case is resolved. I guess the same letters are sent to all customers who are claiming. So what options do i have? Should I proseed despite their warnings or wait although the decision on the test case might take years. Please somebody give me advice.

Hello. I've received the same letter today that our claim is put on hold. So i suppose tha banks send the same letter to everybody now. It's not clear what should we do now. In the letter it says that FOS and the courts will not proceed with any other case they are hearing until the test case is resolved.

Thank you everybode for your advice. I took my digihome to Argos without any proof and they agreed at least to repair it.

Unfortunatly i haven't got any prove and i paid cash. It means nothing i can do?

Hello everybody. Maybe somebody can give me advice what to do. I purchased Digihome model PVR80 from argos (manufactured by Argos) three month ago. I think my 2 years old daughter destroyed th receipt and we didn't keep the box. Now the recorder doesnot work. I called the customer support line and talked to one of the technicians. Describing a problem the technician said that we need to bring it for exchange. He took our details and said it wont be a problem because that Argos started manufacturing them less than 1 year ago. I went to the store and the staff refused to exchange it because i dont have a prove that it was purchased at Argos. What should i do? Or it just it was waste of money. Thanks.

Hello. I've got a question somebody can answer. I've got joint account with my huzband and my personal account. We went to red in our joint account and Natwest stopped access to my personal account until we pay arreas on our joint account. In result we cant withdraw money from both accounts. We phoned them they said that nothing they can do about it and that they woon't open access to my personal account. We need money to pay rent and bills and shoppping, What do u think do the bank has a right to stop access to my personal account because of situation with our joint account? Thanks.