OK. Well, I have just spoken to cccs and they have said I should just continue to pay the new company the same amount as I was paying IM, and then see what happens....

Funny enough, yes, I got the PPI thing the other day and will be completing it at the weekend. From what I have been reading in the last few hours it is becoming apparent that this new company have no juristiction over my ccj and would have to go to court again to enforce it, so I will ask IM for a letter to confirm I no longer have to pay them and then see what this new lot do next.

OK. Well I agree with the 'don't respond to an email' , but if I keep on paying IM and they don't want the money I am not sure what will happen. I am going to write to the court, but judging by the lack of help they provided when I was first summonsed I don't expect a lot of help or advice this time! Thanks for all your input everyone.

Hi, well the CCJ is for IM, but IM have confirmed by email that I now have to pay the new DCA.

Hi, Thanks for the reply. I didn't apply to the court because Irwin Mitchell were so good about it and just accepted my reduced offer without question. The courts told me to pay Irwin Mitchell. Now this new company want me to pay them. I emailed Irwin Mitchell and they confirmed they are no longer dealing with Welcome's customers.

Hi all A few years ago I was helped on this forum when I received a County Court summons from Irwin Mitchell on behalf of Welcome Finance. I agreed a figure of £110 with the courts and that sum was paid regularly until I lost my job a few months later. I then contacted Irwin Mitchell, who agreed that I could reduce the payment to £10pm. I did so, and have continued paying that amount and I am currently still paying that. I received a letter today from a company called LRC, and it was a final demand for the Welcome Finance debt! I called them and they said that they had taken over from Irwin Mitchell and that I now should pay them and not Irwin Mitchell, and that Irwin Mitchell's reduced amount is no longer available. Can anyone tell me where I stand on this? Do I really have to pay LRC instead? Can they really increase the amount back to the original amount just like that? Thanks in advance for any help.

OK. Thanks everybody. Off to CAB today....

Thanks Ubiquitious I think you're right about them not being able to do too much. After all, they can't take what I haven't got. But I don't know how to respond to this thing from the courts. I don't think ignoring it is an option, but I don't know what I should do.

Please help someone - thanks! As I stated above, I signed the Tomlin order. Predictably, the monthly payments, due to start on Sept 1st, were rejected by my bank, as I simply can't afford them. Today I received a 'Judgment for Claimant (acceptance) form N30(1) from Ipswich County Court. It says; To the defendant You have made an offer of payment which the claimant has accepted. It is therefore ordered that you must pay the claimant £6227.30 for debt (and interest to date of judgment) and £360.00 for costs. You must pay the claimant a total of £6,587.30 forthwith. I phoned the court and said I cannot possibly pay that as I don't have that sort of money and I have no car and rent the house I live in. They said I have to pay it and that's that, so I should get legal advice. I haven't got any money for legal advice and don't qualify for legal aid. Please could someone advise what I should do as my wife and I are now pretty scared and we just can't pay or we would! I accept I owe them the money but I just don't have it to give. Thanks for reading everyone.

Too late! I already did sign it because I was so scared about court action. The court have written to me to say that because I signed it the action has been 'stayed'. I am now seriously considering cancelling the standing order, due to start on 1st, because I just can't afford it. All I really want to know is what will happen if I do cancel the S/O. I had been really worried about having a CCJ, but now I am not sure there is that much to worry about. My biggest worry is how much the court will tell me I have to pay.

Update and question; The court case was supposed to be tomorrow, but I received a letter from the solicitors asking me to sign a Tomlin order and a bank standing order. This meant that I would have to pay £60pm for 2 months then £110pm. If I stop paying, court action will continue. I feel I have been bullied into this and can't really afford it. If I cancel the standing order before the 1st payment and it then does go to court, is it likely that the court would make me pay more than that amount? I have no idea what the courts take into consideration when making their decisions, so if anyone could shed any light on that I would be grateful, because I just can't afford what I have agreed to. Thanks.

Excellent. I can't go to Barclays for the same reason you can't go to co-op! All the best.

Hi. I used them for a little while and the only problem is the complete inability to get hold of them on the phone. They don't offer internet banking, so everything has to be done by phone and they take sometimes over half an hour to answer. Other than that I thought they were ok and it was handy to know that your bills were taken care of and the money on your card account was your own to spend. I have changed to a basic co-op account now, which has internet banking. I don't know why co-op have rejected you; this account is specifically for bankrupts etc. Good luck

OK, I'll do that too. Although I can't see them getting any more than I've offered as I've already given the court my income and expenditure details and it doesn't make good reading! I can't really afford the offer I have made - I wonder if the court will reduce it? You never know....

ok. Thanks. I will do that. Thanks again for your excellent help!

Hi all. Please can someone advise what I should do next on this. A quick recap to save you reading the whole thread; I had a Welcome Finance loan and asked them to cancel the insurance. I did this within the 30 days but they refused. Eventually I stopped paying because it was the only way I could think of to fight them. I then got a summons through the courts from Irwin Mitchell. I defended roughly 2k because it represented the insurance that they didn't cancel, plus interest. The court date is set for 29th August. I have telephoned the court's mediation service 2 weeks ago and told them I am happy to mediate but have not heard back from them. Yesterday I received a letter from Irwin Mitchell saying that the client has now cancelled the insurances and interest as per my defence and now they agree with my figure. They go on to say that, 'in the interests of saving court costs and to avoid lenghty proceedings, our client is willing to consider a reduced full and final settlement payable by 3 monthyly installments'. I agree with the figure they now say that I owe, but the installments are nearly1.5k per month! I have offered £20 per month through the courts, because I have no assets and no money and have even just given my car back to the finance company because I can't afford to continue to pay it, so now they are suing me. I also have over 16k of other debts. My question - is this letter likely to be some sort of response to the court mediation service? Should I reply to it or wait for the mediation service to contact me? If I do reply to it what should I say? I would be very very grateful of any advice please. Thanks

OK, thanks. But does this mean they can just wipe out my original agreement and make me pay it all now?

Hi all. I recently changed from Atlantic Energy to Southern Electric. I came to an arrangement with Atlantic for my final bills for gas and electric. I owed them about £200 and agreed £25 per month for Gas and £25 for electricity via Direct Debit. The dd was set up and was supposed to start on 1st May. No money was taken on 1st May and has not been taken at all since then. I got my first Southern Electric bills and the money has been added onto there! I told SE that I had come to an arrangement with Atlantic, but they said it was now invalid and that I now had to pay both bills, including the Atlantic ones, in full. SE said that they own Atlantic. Is it ok for them to do this, and if so, how do they expect me to pay the £400 that the total now comes to? Any ideas on the legalities of this? What about data protection? Thanks

OK. thanks again. What they're doing doesn't make any sense to me, because I can't imagine the court making me pay more than i can afford! Oh well, I suppose they must know what they're doing....

OK. thank you . I will check out that link. Does this mean that Welcome still intend to sue me for the full amount and that it will actually go to court? If so, I can't understand their reasoning. I can only just about afford the £40 per month I have offered, and surely the court won't make me pay any more, so what's the point of Welcome fighting for another 2k when it'll take decades to pay back anyway?

I am a bit confused about the latest turn this has taken. I admitted part of the claim and offered £40 per month. The part I didn't admit is the cost of the PPI that they should have cancelled, plus interest. Today I have received, from the court, something called an 'allocation questionnaire'. There was no letter with it or any explanation as to what is happening. I don't understand most of the questions, and at the end it says I have to pay a fee! It doen't say how much, but don't the courts realise I can't afford to pay any fees? Why has the court ignored my part-admittance and what do I do next? Please help as I am really really worried now. Thanks.

thanks sparklez!

I was the same, honestly! I reckon I should start a spider-catching business...

I can't work out how to link to my thread, but I have currently got a thread going about the fact that Welcome asked me to sign another agreement or they wouldn't cancel my PPI even though I had asked them well within the 30 days. the only thing I could think to do was to stop paying them, but now they have sued me!

I used to be absolutely petrified of spiders, so much so that I couldn't go into garages, sheds etc. I would also have to look under the bed and on the ceiling etc before going to bed. A couple of years ago I had to sleep downstairs because I had seen one in the bedroom but it had disappeared. I slept downstairs for days, until it resurfaced on the bedroom ceiling and I got my neighbour to remove it (I'm male btw and my neighbour is an old lady!). Anyway, I decided I needed to overcome my fear of spiders, so I bought one of those tarantula-in-a-glass-case type thingies and put it up in the bedroom. After seeing that every single night, when I eventually did see a normal spider it seemed ridiculously small, so I was able to pick it up and throw it out of the window. Mind you, I have to have no obstacles between it and the window and it makes me shake for a while afterwards, but I still reckon it is a great step forward.