Ok, I have ack,d mine as dx said, just wondering what happens now ?

Back to the court

Right, I had already posted the one for my ex back, I have done the instructions that dx kindly left for me the other day, any advice on where to go from here appreciated !

Ok, I'll do it tonight, I'm not really in contact with the ex but I'll see what I can do

Not done anything yet, waiting on advice !

I'm struggling as I'm on a borrowed I pad, here is everything though - Claimant Cabot Date of issue - 17th September 2014 What is the claim for !.- an agreement made between welcome finance and the defendant made on or around a date in 2008 WLCF agreed to LOAN the defendant monies under the terms and conditions set out therein, 2.in breach of the agreement the defendant did not pay the instalments as they fell due and 3.the agreement was terminated, 4.the agreement was assigned to the claimant in June 2014. What is the value of the claim - £11'600 Is the claim for a current or credit/loan account or mobile phone account ? - welcome secured loan When did you enter into the original agreement before or after 2007 - after,2008 Has the claim been issued by the original creditor or was the account assigned and it's the debt purchaser who has issued the claim - the claim has been issued by Cabot financial, not the original Were you aware the account had been assigned - yes Did you receive a default notice from the original creditor - yes Have you been receiving statutory notices headed " notice of default sums" - yes Why did you cease payments - unemployment Was there a dispute with the original creditor that remains unresolved - yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan - yes Sorry to type it out like this, it's all I can do at the moment. Thanks dx

Cabot issued it, I'll post the details up later, including solicitor etc ! Cabot FInancial is the claimant, address for sending documents is Mortimer Clarke solicitors, particulars of claim are an agreement between welcome finance and defendant made on or around a date in 2008 WLCF agreed to loan the defendant monies. under the terms and conditions set out therein, In breach of the agreement the defendant did not pay the instalments as they fell due and the agreement was terminated, the agreement was assigned to the claimant in June 2014. Mortimer Clarke wrote to me in August saying they had been instructed by Cabot financial to start court proceedings as I have failed to make a reasonable payment arrangement. I have told welcome in the past that this account is in dispute , they have ignored me , looking through the thread you can see how I/we was mis sold the whole thing. Original loan was for 10,000, I managed to pay for first 2 years even though I lost my job, I was threatened both in person and on the phone with " serious consequences" as it was put. Claim is for over 11 and a half thousand. I am very wary of speaking to anyone, I received court papers on 20th, any advice would help ?

Yes dx that's right, 2 separate ones, I've opened mine and it has both our names on it !

After all this time, have received two letters from the Northampton court for myself and my ex, the welcome loan was sold on, it is dispute for the obvious reasons above and has not been paid since 2010, several times I have wanted to pay but on the right terms, any advice anyone ? Can anyone give me any advice, I have been told many times in this thread it's totally not enforceable but as there are now court letters they must believe it is !!

Hi All, It been a while (and emotional !) Please can anyone with more of a clue than I have, have a look back though my thread and give us any advice ? It would be so gratefully appreciated I'm at a loss now, so many people have been so helpful ! Evening all, Im at the end of my tether now, Welcome have passed over to Incasso and ive had a letter from them today asking for the lot £11,000 plus. If you look at my thread you can see that Welcome ripped me off, their sums were all out re -interest on the agreement, their SAR gave no insurance underwriters info or a statement of price, the original statement of price shows less insurance than was on the agreement, its a right mess. There is a Breakdown of my agreement in this thread ! Incasso letter i received today says one of their "field agents" will call. Last year I had a letter from Salans solicitors saying Welcome had terminated the agreement and they wanted the outstanding balance, since then they have added over £1000 worth of interest (can they do this after termination?) I want to start to pay again but on the right terms ! Has anyone any advice ? Im on the end of my nerves with all this !

I think we are all in agreement that this agreement is totally unenforceable, any ideas how to move on and get Welcome and their hustlers banished for good ?

Could well have been sent recorded, I know everything else I have sent has been. I will not talk on the phone. Thanks Postggi, I will hold fire with the letter whilst you go through the thread, everything you need is in there, right up to now. postggi said "..in the mean time look for any response/letters, recorded numbers etc ref the telephone harassment ill do the rest " Will do thanks, Ill look forward to hearing from you Anything yet postggi ? Postggi, Ozzywizard, Emmandcole, anyone around? Evening all, Im at the end of my tether now, Welcome have passed over to Incasso and ive had a letter from them today asking for the lot £11,000 plus. If you look at my thread you can see that Welcome ripped me off, their sums were all out re -interest on the agreement, there SAR gave no insurance underwriters info or a statement of price, the original statement of price shows less insurance than was on the agreement, its a right mess. There is a breakdown of my agreement in this thread ! Incasso letter i received today says one of their "field agents" will call. Last year I had a letter from Salans solicitors saying Welcome had terminated the agreement and they wanted the outstanding balance, since then they have added over £1000 worth of interest, (can they do this after termination?) I want to start to pay again but on the right terms ! Has anyone any advice ? Im on the end of my nerves with all this ! Can anyone give me anything on this ? Feels like l im going insane ! Thanks

I have not sent the letter the good lord has posted above yet. No letters or anything since last year and then yesterday a voicemail on my wives phone, this is despite the telephone harassment letter i sent them over 12 months ago. I have drafted a letter similar to the lords one offering them 10% which is my total limit.

Thanks a lot, would really appreciate that

Thanks for getting back to me Lord, thats a great post. Is it worth sending them any information about the dodgy agreement, asking for an explanation on the ludicrous figures,added on insurance and no statement of price with SAR ? Which letter in your link do you recommend sending ? Thanks again

New goings on ! After receiving the letter from a company called UK SEARCH LIMITED in November I have heard nothing until today when i have received a statement from Welcome showing the defaults and "capitalisation " going up over £100 a month. Any thoughts ? Postggi said: "ill drop in later back at college again this week:|" Thanks postggi, appreciated Interesting to see UK Search is cropping up in other posts now ! I got mine in November and then got the Welcome statement the other day ! Can Anyone give us a bit of advice on this, to move forward ? Can anyone give us any advice on what to do next ? Letter from UK Search last November and Welcome statement in January (still plenty of interest being put on ). Ok I am confused beyond belief now. Have had another statement from Welcome this morning. The interest is now coming on thick and fast. Original loan was for 10k in 2008, with interest now stands at 11,500. The statement is from "Branch 420 (House Repo). Any advice ? I am worried now ! Can anyone help with this please. If you look at posts 64-73 you can see the financial irregularity's by Welcome. Who do I write to,to inform of this and also to put the account into dispute. I have done nothing as yet, waiting for some advice. Thanks for all the help so far. postggi,emandeves,lord tiger putin,dadof holly - anyone ? I have added another 2 scans here, one is of the agreement which was sent with my SAR, the other is the statement of price, there was no statement of price sent with my SAR so this is the one I got at the time of taking out the loan - http://i897.photobucket.com/albums/ac177/majimix/SARAgreementScan.jpg http://i897.photobucket.com/albums/ac177/majimix/statementscan.jpg As you can see from the poorly photocopied copy of my agreement which came with the SAR a £175 has been added for insurances, this would have been after we signed it. It does not show up on the statement of price. How the hell could I know what I was getting. I have a copy of the agreement al be it with no signatures on that does not have the 175 penned in afterwards. Please could someone have a look at these two and give us some advice. Many thanks Here are some previous scans - http://i897.photobucket.com/albums/ac177/majimix/scan3.jpg http://i897.photobucket.com/albums/ac177/majimix/scan2.jpg http://i897.photobucket.com/albums/ac177/majimix/lastscan.jpg Note the copy of the loan agreement I had prior to SARing them had total for insurances 495. They then added a new insurance on to get to that total after I had signed (why else would it be in pen ) this was not in my copy of the statement of price. In the last scan is a statement saying total amount of credit 10,730 but on the agreement it says total for credit 10,495. I know they have added their acceptance fee of 235 on. Please can someone help. Lord tiger putin has done a breakdown of this and all the figures including apr seem to be way out. Any advice on what to do next would be so appreciated. Anyone ?

Thanks Lord, really appreciate that, any further suggestions Postggi. I really appreciate all the help from everyone. Anything to add postggi ? Thanks The plot thickens. Thanks for all recent advice all. Salans have not been in touch. I have now received a letter from a debt collection agency called Uk search ltd stating that I now owe them the balance.it also states the loan was introduced by the Welcome website which it wasn't. Any advice?

Thanks a lot, appreciate that Any joy with the letter yet ? Any news on the letter, sorry to be a pain

cheers post, check back tomorrow Any news on the letter post ? Anything ? Any news on the letter postgii ?

Thanks post and excuse my eagerness, i,ll check back tomorrow. Thanks again nothing about payment to broker

That page of the SAR - Secured Loan Customer - me and partners name Brokers No - xxxxxxxx Central Capital Ltd Date Quoted - 29 - Jan Interest rate - crossed out APR - 17.65% Monthly payment - 209.31 DD Date - 1.4.2008 Branch name - my town Branch number (welcomes local number) Underwritter 50 ( in bold) loan ammount - 10k Partners name (on own) Cheques total - 10k spot check completed - signature , cant make out The page is very difficult to make out !

On that sheet, Secured Loan Customer - both our names Broker & no - xxxxxxx - Central Capital Ltd Date Quoted - 29-Jan Interest rate - cant read,crossed out APR - 17.65% Monthly payment - 209.31 DD Date - 1.04.2008 Branch name - my town Branch phone number - a local number Underwritter - 50 Loan amount - 10k partners name spot check - someones signature, cant make out. Its very hard to make anything out on this sheet

Nice one, Opening balance on secured loan statement in SAR - 10,730. In the SAR there is mention of Brokers no - Central Capital. Are they the people who set up the loan ? There is date quoted underneath. There were no insurance details in SAR or statement of means .

Thanks postgii, Im trying to relax, is the letter your getting together for Welcome and Salans ? Cant understand why they were not mentioned in my SAR !

Could you give us a bit more of an explination of that, and a bit of a breakdown of the bad maths on the agreement. Im not the brightest