Thanks slick. We own our home, its in joint names. The claim form issue date was 28 Feb 2008, we acknowledged via MCOL about 20th March stating we will defend the whole claim. I still need to contact the court to see when our defence should be submitted. pt2537 - the amount in box h is 380.59 We have no idea what healthcare is - this is the first the missus has seen of this, although on the copy they sent us it is signed and looks like my wifes signature. Sorry for the late reply - I'm working nights:(, but thank you both for your help

Thanks - I'll get all the info posted up this morning...... Hi all, sorry its a little late. I have scanned all the documents they have sent, but they seem not to have sent any notice of assignment, default notices and no paperwork from Wellcome at all except the agreement. Here is the agreement: I have also scanned in the rest of the documents received and have made them private. pm me for details..... I know they cannot go for a charging order straight off, and that we would have to default on whatever payments the courts may set. Have a read of the last page of their datatbase entries below:

I need some urgent help!! I posted in the legal section but don't have any replies - i hope i'm not being too pushy but I do need some help rather quickly. Please see this thread: http://www.consumeractiongroup.co.uk/forum/legal-issues/139743-hillesden-aplins-wellcome-court.html Basically they have issued a claim which she (we) are going to defend. I requested information from them which we received just today. Please have a look and see what you think?

My missus received a claim form for a loan she took out almost 6 years ago with Wellcome finance. Paid it OK for a few months, then we both lost our jobs and ended up with a fair amonut of debt, and still paying some now. The claim form was for a loan with Wellcome Finance. The original loan amount was for £1500. The claim form totalled £2525.10 including costs. When the claim form arrived we acknowledged service via MCOL and sent the letter asking for more details under the civil procedures rules. We had a response from them today. Included is an agreement from Wellcome, terms and conditions, some sort of 'health policy' (we knew nothing about this), statement of account which includes charges, payment protection insurace which, again we knew nothing about and finally a list of database entries from Hillesden DLC (nothing on the database regarding Wellcome) We really could do with some help as to where we go from here. There are charges on the statement of account, and a payment we know nothing about. Please help!! This is now quite urgent as reading through their database entries they are seeking a charging order.

Thats been done today lookinforinfo - but can anyone tell me if the agreement is valid, taking into consideration the point noted above about there being two amounts and the fact I have no terms and conditions? Should I also SAR Hillesden as they say they now own the debt? All help appreciated!

I kept the car, unused, for three months after informing them I wanted to return the car. I did write to Welcome to inform them of this, but they refused to accept the return. Instead they constantly phoned to get me to take out a re-financing deal on the car with them, not Associates who I had originally taken out the agreement with.

Also, I've just noticed the payment protection box is ticked and some figures have been entered. Now I am certain I did not ask for this - I would have claimed when I lost my job if I had taken cover. Can I do anything about this too? One other thing - the garage I bought the car from also went out of business within 12 months of me buying the car - does this make a difference?

Thanks CB, heres the agreement - sorry its a bit unclear - thats just how I got it from them:

This is complicated !!!!! About 5 years ago I bought a car on credit with a company called The Associates. Lost my job a couple of years after buying the car - up until then no payments missed and everything was fine. Then I missed a few payments and the agreement was 'apparently' transferred to Welcome Financial Services. Now I do remember at the time I made a couple of lower payments on the car to a lady called Sue (I think) from Welcome, but then told her I could no longer afford the car and to collect it, as under the HP agreement I could hand back the car after 2 years and owe nothing, which is what I wanted to do at the time. She instead offered me a re-financing loan which I refused, still insisting the car was collected. I heard no more from Welcome (read: no default notices, letters of assignment etc). Around 2 or3 years ago (I cant remember exactly) I received a letter from a debt collection agency threatening me with court action. I responded by saying OK, I'll then sue your client for the same amount for storage and maintenance of the same car (I still have the car, at least its still in the family) - heard nothing from them again. I recently checked my credit file and noticed a default was on there from Hillesden Securities for a HP agreement. I sent of a CCA request to see what it was for and received back some paperwork ie an agreement, default notice and a statement. I have never seen any of this before then. Also the information on my credit file has been very recently changed to say this account is not an HP agreement but a loan. This morning I received a letter from a company called Aplins saying I owe Hillesden Securities Ltd (Welcome Financial Services) over £5000 and I have to either pay DLC in full or arrange payments!!! Any ideas as to where I go from here? I hope it all makes sense.

Thanks ODC, I'll mix and match the letter from Curlyben and post that up too for advice before sending it off.

Yes, Ill put in a second CCA tomorrow (working tonight), I'll post the SD details up tomorrow afternoon. Should I reiterate that this debt has been passed on when in dispute in my CCA request, and copy the first letter I sent them?

The missus received a letter from Red Debt today 5th November posted 2nd class containing a stat demand for a debt that has previously been disputed with a different dca. We wrote to the original dca back in March this year and received no original agreement from them. The debt was allegedly for credit card with HSBC. Back in March we did CCA DLC, but go no agreement back, just a copied letter from a debt councelling service we were considering a while ago, which also was addressed to me, not my wife (love this site, DIY is so cool ) She did receive a letter from Red a couple of weeks ago to which we responded that this debt is already in dispute with DLC and to contact them. After browsing through the threads on here it looks like a scare tactic, but still I wouldn't like to just ignore it as I know what leeches these armholes can be. Any advice on what we should do?

Hold on here, as I understand it these people cannot apply for a charging order (interim or otherwise) on your property unless they have previously taken you to court and won in respect of this alleged debt, and then you go on to default on any payment ordered by the court. Have these people previously taken out a CCJ against you?

If they have not previously taken out a CCJ for this alleged debt then they cannot apply for a charging order. Simple as that. I would say carry on with the CCA request then, if you do get one (highly unlikely) SAR MBNA and claim back the charges that have no doubt accrued at an alarming rate. Good luck with this, I got hammered by MBNA a few years ago and ended up with a charging order which was subsequently paid and the charging order removed. I only wish I knew then what I know now!!

I am currently trying to get information from Hillesden regarding a HP agreement I took out in 2001 with Associates Capital for a car. This agreement was taken over by Welcome Finance. Prior to this change I contacted Associates and told them I could no longer afford the car due to personal circumstances at the time, and asked them to collect as I had the car for 2 years which was half the HP agreement timescale. They never collected the car. I contacted Welcome after the change and told them the same, that I could no longer afford the car and to collect. Again they did not but wanted me to take out a new agreement with them to re-finance the car. I refused to do this. After checking my credit report, Hillesden Securities now 'own' this alleged debt. I checked my credit report last month and this account was defaulted as an HP agreement. This month, however, they have defaulted me for the same amount and changed the type of default to a loan account. Can they do this? Anyone? The information is lodged with Callcredit reference agency, on two other reference agency files it shows as a HP agreement. Please let me know what you think before I write to Callcredit and Hillesden

Thanks diggie

Just checked my CR file and I've found a default registered by Littlewoods Financial Services. I had thought I'd paid this off to a DCA a couple of years ago, but I'm going to CCA Littlewoods because I know I never signed any agreement. I cant find their address - does anyone have it?

Oops - sorry - can a mod move this please?

I found this today while browsing around - its to petiton the PM to change the law regarding illegal bank charges. heres the link: Petition to: bring in new legislation to prevent the current abuse by banks and companys in relation to Penalty charges. Hope this is OK to post here - pass the link on to everyone you know;)

Hi On 23rd March I sent a CCA to Legal and Trade Collections who say they are acting on behalf of Lowell Financial I Ltd for two accounts I had with LTSB (another story - just about to SAR them) I enclosed the £1 postal order to cover the statutory fee, as you do! Got a load of payment slips back with a cover note saying thanks for your £1 payment, please find enc your payment slips, please ensure all future payments are made on time. they have cashed the PO, off-set this amout against the alledged debt, and completely ignored the CCA request!! Where do I stand now as far as the CCA request and the statutory fee is concerned?

I used to have both a current account and a loan account with LTSB, but no longer have any details of these accounts. Around 5 years ago both my wife and I lost our jobs within a couple of months of each other and got into debt with LTSB. I have made a successful claim against Halifax (our current bank) for charges, but now want to take on LTSB. Only problem is I cannot find any records of either of these accounts - can anyone throw any light on how I can retrieve this info?

Be a pleasure once they credit my account

I followed the advice given on this site, sent the letters etc with no joy at all - Halifax customer services did offer me £170 as a goodwill gesture on a claim of £746. I phoned customer services again last week, saying I would like an explanation of why my claim for unfair charges was refused when other people had received full refunds, and quoted this site as my source of information. After about 5 mins on hold, a very nice lady called Rebecca offered me a full refund!! I am well pleased - and thanks to everyone who posts here for their advice and information - keep it up!!