Welcome/Cohens - case withdrawn ***WOO-HOO ***

[Prudence]

Hi again, any news Post? Is there anything we can do in the meantime?

Kind regards, Pru PS won't be able to check back on the site till this evening, dashing to work

[Prudence]

Bump

[postggj]

sorry i missed you pru

 

you will have your letter by morning

 

can you pm me your email address again

 

regards

[Prudence]

OK, will do, THANKS again Post, Pru

[Prudence]

I pmd my email to you Post. Whenever you get a chance to send me the letter, it would be appreciated. Thanx, Pru

[postggj]

had to redo

 

i had some case law to enclose for your advantage

 

again

 

you will have it by morning

 

honest:D

[Prudence]

That's fantastic, thanks so much. P

[postggj]

email sent

 

ive used my google mail account

[Prudence]

Great thanx. It hasn't arrived yet but will keep watching for it. P

[Prudence]

:) GOT IT! It's brilliant, many thanks :D

[postggj]

my pleasure

[miziwizzi]

Have You Taken Up The Free 30 Day Offer Before

 

Just Cancel In A Few Weeks

 

 

Its Just I Need To Know Who To Go After

 

Thats Why They Are Reluctant To Release The Notice/deed Of Assignment

 

As I Said Before

 

My Gut Is Telling Me This

 

I Still Believe This Mkrr Is Something To Do With Welcome

 

Why Not Cl Finance Or Lewis

 

Just Need The Jigsaw To Fit Together

 

 

Hey there,

during telephone call to them the young boy on phone admitted they were new company set up to deal with welcome accounts-in other words welcome under newname almost!

[miziwizzi]

Hi, it is still showing as WF. Rcd another letter from mkrr today saying now passed to Raven Recoveries to commence litigation.

What next Post? Many thanks, Pru

 

 

Had the same letter yesterday.

[postggj]

As Stated

 

The Plot Thickens

 

Still Digging

 

ME THINKS LEWIS IS NEXT FOR THE HATCHET

[Prudence]

To save anyone having to read through this long thread... a quick resume. We had a CCJfrom Welcome Finance set aside then we put in a Defence and at the last minute, WF "discontinued". WF didn't ever show up to any hearing. At the last hearing, the judge would not (said he could not) order the removal of the markers on our credit record. Now the account has been passed ("assigned" WF tell us) to MKRR. They have sent several letters. We have written, sent a great letter with the great help of Postggj but have had reply to the effect that they will not remove the record and will continue to demand the money. This is now the only blot on our record and it is making us like lepers. We are no spring chickens and cannot afford to wait however many years before it goes. Can anyone advise what can we do? If we had a good enough case to get the CCJ removed, and WF didn't even defend, can't we either take them to Court re the credit record, report them or do something? We have suffered so much with these people and they continue to have the last laugh.

[Prudence]

Can anyone advise re above please? P

[Prudence]

Hi All,

 

I'd be really grateful for any advice on the following. To save anyone having to read through my long thread... a quick resume. ...

 

We had a CCJ from Welcome Finance set aside then we put in a Defence and at the last minute, WF "discontinued". WF didn't ever show up to any hearing. At the last hearing, the judge would not (said he could not) order the removal of the markers on our credit record. Now the account has been passed ("assigned" WF tell us) to MKRR. They have sent several threatening letters. We have written to both MKRR and WF, sent a great letter with the help of Postggj but have had a reply from MKRR to the effect that they will not remove the record and will continue to demand the money. This is now the only blot on our record and it is making us like lepers. We are no 'spring chickens' and cannot afford to wait however many years before it goes. Can anyone advise what can we do? If we had a good enough case to get the CCJ removed, and WF didn't even defend, can't we either take them to Court re the credit record, report them or do something? We have suffered so much with these people and they continue to have the last laugh.

[steven4064]

Prudence

 

What was the gist of your defence? That is important in knowing how to deal with MKRR. I the meantime send MKRR a CCA s77 request.

[Prudence]

Thanks very much Steven. The Defence included details of faulty Default Notice (did not comply with time period), the Agreement not being headed properly, missold PPI (also it being included in the total amount of credit). In the AQ, we implied an impending Counterclaim (on advice on here) re PPI but have not taken any action on that. I will send MKRR the CCA letter tomorrow, thanks for that. We will do everything we can possibly do to get this sorted. Any help & advice will be really welcome. Thankyou. P

[steven4064]

Prudence

 

Let us know when (if) you get anything from MKRR. I think you need to wait for thet before proceeding.

 

In the meantime you (and everyone else) might be interested in this - http://www.journalism.co.uk/66/articles/539539.php

[Prudence]

Hi Steven

 

It's been over three weeks now and still no reply or acknowledgement from MKRR to our CCA request. Please advise, what should be our next step? We are very keen to see this through as soon as possible. It has put our life on hold for long enough. Thanks very much Steven.

Pru

 

 

Prudence

 

What was the gist of your defence? That is important in knowing how to deal with MKRR. I the meantime send MKRR a CCA s77 request.

[steven4064]

They have to reply to a CCA request within 12 working days otherwise they are in default and the accoungt is in dispute. They can take no colection activity while their breach continues - s77(4) of the CCA 1974

[Prudence]

Thanks Steven. Where does that leave us? Can we start Court action against MKRR re removal of the data?

 

They have to reply to a CCA request within 12 working days otherwise they are in default and the accoungt is in dispute. They can take no colection activity while their breach continues - s77(4) of the CCA 1974

[steven4064]

I think that would be jumping the gun a bit. Once they reply, then their 'default' ends, however long it takes. It used to be an offence if they went over 30 days but that provision was repealed.

[Prudence]

Thanks very much for the info Steven. It all sounds like we have no hope! You say 'once they reply' .... that is likely to be never! When WF/Cohens 'Discontinued' our case (never once showed up at Court) I would have thought we would have a strong case to enforce them to remove the data from our credit files. Now that they have passed onto MKRR and MKRR can't even produce the credit agreement, can't we do anything? We will see a Solicitor if we have to and if it will be worthwhile. We must do something!

 

 

I think that would be jumping the gun a bit. Once they reply, then their 'default' ends, however long it takes. It used to be an offence if they went over 30 days but that provision was repealed.