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biddy65

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Everything posted by biddy65

  1. biddy65
    received a letter today rom a solicitor firm regarding the outstanding amount from welcome.threatening to repo house but there is no equity for them also the loan is still in dispute,have not heard anything from welcome for over 18 months .what should i do
  2. biddy65
    have welcome gone into administration?
  3. biddy65
    has anyone got an email address for compliance and what is a surety please
  4. biddy65
    havent been on for a while as things ad settled down and am still waiting for fos who are still investigating.however today received default notice even though account is indispute askinf for arrears to bw paid in 14 days,if not they will pursue for an attachment of earnings or pursue the surety what is the surety and where do i stand if the account is in dispute?
  5. biddy65
    when did it come into force that all agreements had to be signed at the welcome office.
  6. biddy65
    if the fos has foun in your favour for a mis-sold ppi can you claim for previous ppi on a prvious loan that was re-written.
  7. biddy65
    has anyone got an email address for compliance,they keep ringing my work
  8. biddy65
    been offered this from welcome £2623.16 (PPI refund)+ £729.64 (interest paid) + £412.02 (8% simple interest) - £111.80 (rebate received) = £3,653.03 (rounded up)but it doesnt seem right to me unless i have worked the figures out wrong,have paid for 3 years at 17% interest.is the offer wrong?
  9. biddy65
    had another three phone calls while i was away asking me to contact collections,still havent rung them,still havent heard anymore from the fos,its been passed to another caseworker and they have asked welcome for further info again.should i still wait?
  10. biddy65
    so what happend then andie?
  11. biddy65
    had a phone call from collections department today asking me to ring them,should i or not as at the moment the fos are still dealing with the ppi
  12. biddy65
    had an offer from welcome to refund ppi,but they havent put in writting what they are offering,the fos wants me to sign a form saying that i agree to the settlement,if i don't know exactly how much they are offering should i sign it or not?
  13. biddy65
    welcome and the fos have been busy,i also had a letter offering a settlement only thing is doesn't explain what the settlement is except £200 compo is included in it.strange thing is they want me to sign a form agreing to the settlement then they will sort the figures out,i told them to go jump,who would agree to signing something before they know what there getting.
  14. biddy65
    just read this and found it interesting,where do i ,where do i send my submission to and roughly how should i word it,i've been with kensington,spml and wave.
  15. biddy65
    i had an email from 1st credit stating that as they were the third party they are not obliged to send a copy of the agreement is this true?
  16. biddy65
    is it correct that a dcl still has to supply the agreement in 14 days,i am also battling 1st credit they have not supplied the agreement in 14 days but they say they dont have to,have never had a statement of account and also i asked for a notice of assignment which i have never received but they sent a bog standard letter with no date when they were supposed to of taken over the so called debt,also it wasn't sent recorded.
  17. biddy65
    does anyone know if your are entitled to see a copy of a deed of assignment?
  18. biddy65
    how can a company charge you £15 for not paying by direct debit even though you are paying by standing order
  19. biddy65
    thanks ellen do i use the preliminary approach for repayment letter
  20. biddy65
    thanks tawnyowl
  21. biddy65
    being charged £50 a month management fee,£15 a month because not paying by direct debit but am paying by standing order.anybody know what the L.I.B.O.R is at the moment.
  22. biddy65
    is it possible to claim back charges that you think are excessive from a mortgage company.i am currently being charged arrears management fee,non payment by direct debit fee even though i am paying by standing order,plus interest on these fees,can i claim them back
  23. biddy65
    what happens when welcome can not produce a signed agreement
  24. biddy65
    mine hasn't its totally disappeared,been settled according to credit file
  25. biddy65

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