Coast claim for Possession - old Welcome secured loan - Disc'd once - now another N24/N11R - help ***Resolved***

[surrey_36]

Can anyone help me check this agreement out, copy pdf docs up the page, just trying to work out why amount received in bank differs from any figures on the paperwork

Edited February 9, 2019 by dx100uk
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[surrey_36]

I have been making regular gesture/token payments of £15 p/m to Welcome for my secured loan with them

 

all of a sudden having not heard from them for quite a while I have received a letter from Atlas Collections

saying that I need to call them to discuss the existing arrangement

- word for word

"To ensure that any existing arrangements you may have had with the previous agency are properly recorded,

it is imnportant that you call Atlas to provide us with the details of these arranagements"

 

the last time I physically spoke to Welcome was the time that they told me to meet them at the cash point to draw all my money out

that I owed them and so that was (i think) the last time i spoke to them!

If i recall correctly I was advised on CAG to send a template which i said i was only willing to correspond in writing.

 

I really do not want to speak to anyone on the phone, If anyone could advise my best course of action that would be really great, cheers:madgrin:

[surrey_36]

I had a letter from Atlas AKA Welcome saying they need to talk to me about my account.

I wrote back and explained that I would only communicate in writing (see my previous thread - harassment).

I had not heard anything since my letter to them.

 

late yesterday afternoon my OAP neighbour comes over the road to tell me that Royal Mail had just CALLED her on her landline to say they had a delivery for ME.

But when they tried to deliver it I was out.

 

The well spoken gentleman on the phone asked my neighbour if she knew my mobile number and asked if i was at work.

She said no & no.

 

When she was telling me this I immediately smelt a rat.

I was not awaiting delivery of anything and Royal Mail leave while you were out cards.

 

I called my Ex partner and my mum really worried.

I did not understand what the caller was trying to achieve and was mainly worried for mine and the childrens safety in the house, was it someone trying to get my number so they could find out when i was out and then rob me.

My dad even came round this morning to fit another bolt/lock to the front door.

 

At 8AM this morning I received a private number incoming on my landline,

I picked up the call,

I was intrueged to who would be called me that early.

 

it was Atlas collections,

their main concern was obtaining my mobile number.

 

I explained that i had written to them explaining that i only wanted to deal in writing but they managed to pursuaede me into giving them my mobile.

then they wanted to go over my situtation and set payment dates etc.

 

Then at 10am this morning,

I had my post and what the postman delivered was a 'while you were out card'

I opened the door and said 'im in!'

- showed him the card which was very very similar to a royal mail card and he said it was not royal mail.

 

The card said to call a mobile number that was handwritten on the card or text my mobile number to it.

The 'whille you were out card' had my address hand written on it, and a reference number to quote and a first class stamp.

 

What delivery company POSTS a while you were out card?!

I called the number and questioned the man,

I told him i believed he was welcome finance,

i said to him your clearly not a courier comapny as couriers would leave a card not post it, anyway it was just all a load of absolute rubbish.

 

Clearly the call to my neighbour and the courier card were all an attempt to obtain my my mobile number.

This morning they called me at the normal household manic time of day and managed to get it anyway.

 

My poor OAP neightbour has cancer and recently nearly died, this call worried them so much so if you are reading this Welcome then well done!

 

Last night was terrible I was so frightened in my house with my 2 babies.

I thought someone might be watching us to burgle us.

My mum nearly stayed the night, but shes old too and I told her to go home.

 

Any advice caggers?

this is completely unacceptable,

especially when i have responded to their correspondance and have proof of postage.

 

I was in communication with them so why are they so deseprate to speak on the phone.

They even said this morning they 'prefer to discuss on phone than in writing'

 

I suppose problem being that I cannot prove that the call or card is them but its is so very obvious that it is!

 

ls excuse poor spelling not time to check over

Edited February 9, 2019 by dx100uk
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[surrey_36]

Thanks Renegadeimp I will do exactly that thank you.

 

Sorry if i was not clear,

 

what I meant was;

on the evening that my neighbour told me that 'royal mail' had been trying to get my mobile number,

I did not realise at that stage that it was Welcome Finance,

 

I/we was panicking about who and why would want my mobile number and almost called the police in case it was a possible burglar.

I was extremely nervous that evening (single mother at home with 2 children) as I felt as though someone might have been following/watching me/us.

 

I get on really well with my OAP neightbours and it concerned me that whoever called them knew that out of a lot of other neighbours in the street,

they knew to call them to ask questions about me.

 

turned out the next day that following the 'delivery card' and the 8AM call, I put 2 and 2 together and realised it was Welcome.

Panic over but still very annoyed at the concern and worry caused

[surrey_36]

thanks renegadeimp - when you say compain to all regulators , who else apart from the OFT?

 

thank you Brigadier - Yes they wrote and i replied in writing saying i only wished to communicate in writing, they claim they never received this letter although i have proof of postage.

[surrey_36]

thank you silverfox yes I do have the while you were out card, who should I copy and send to?

[surrey_36]

Update on Welcome Finance Secure Loan.

 

Appears debt taken over by Coast Finance Solutions.

 

Checked my latest credit report and no mention of this debt (credit expert).

 

I stopped paying them about 6 months ago,

 

I have today received a letter saying they are going to send a field agent and charge £120.00.

 

I wanted to check figures but on downloading the credit report cannot see this on there,

it was a secured loan,

its quite an old debt now,

I took this out i think in 2010.

 

I've been in an arrangement for a very long time paying a very small monthly token payment, up until about 6 months ago when things were particularly difficult.

 

Can anyone advise what it means if someone is chasing a debt which is not listed on your credit report?

 

Many thanks

Edited February 9, 2019 by dx100uk
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[surrey_36]

I think I made an error by sending an SAR to coast

- just re-read a previous post and realise i needed to SAR Welcome and CCA coast - doh!

 

Came home today to find I've had a visit from 'Excel Counselling Services' RE: Coast Finance Solutions.   

Asking me to call the number on the letter. 

This was hand delivered as just had my name hand written on the envelope.   

Letter states they need to report back to coast by 14/3/19 and states im gathering interest every day.

 

Id better get that CCA request in the post tomorrow..

[surrey_36]

Thanks dx..

file-9.pdf

[surrey_36]

I Think I need to get a land registry update from HM Land,

Ill apply for this and double check to see if the second charge is still on there, 

the debt is not showing on the Credit report but i guess may still be on the registry - will check and update..

 

Excel made another visit yesterday - left another letter, the same. 

They are obviously being quite persistent. 

 

I remember the tactics they used a while ago, calling my neighbours and asking questions about me

- they left me what looked like a Royal Mail while you were out card but it wasnt RM it was Welcome!

 

 

[surrey_36]

Another visit from Excel today! Im wondering if i should call this chap, on the number provided on the letter and tell him i wont be answering the door to strangers.  It says on the letter he is going to keep coming back 

[surrey_36]

I sent an SAR to COAST originally which has arrived in the for of a CD and a code. 

Is there likely to be anything in there that is worth looking at?

[surrey_36]

Update on the this thread.

Have not received the SAR from Coast and the request was back in April so they are way over the 40 day time frame (40 days is that correct still?)

 

Would you happen to have a template letter I can send that is the Failed SAR Breach letter

- I cannot seem to find it in your library!

 

Coast did contact me by telephone and I explained that I was still waiting for the response to the SAR but they said would send a copy of the original agreement by post.   

Few days later a bad photo copy arrived of the agreement.

 

I was expecting the SAR to be quite a big package with lots more information.

[surrey_36]

Thanks dx, yes i know i should not have spoken to them on the phone.  Ill be sure not to do that again.

 

Ive uploaded the CCA that coast posted.

 

I will SAR Welcome, as suggested, thank you

 

Edited August 22, 2019 by surrey_36
not deleted private data

[surrey_36]

Thank you DX will SAR Welcome as suggested.

Attaached is the doc Coast sent to me.

 

coast CCA returm - welcome agreement 1 page only.pdf

[surrey_36]

Thats it DX thats all that was sent !

[surrey_36]

Coast have written and asked me to complete an income and expenditure seeing that I am now making any payments.  Should I do this?

[surrey_36]

Ok thank you DX - how come the CCA is unenforceable

I got a report from the council and they have a second charge on my little house 

[surrey_36]

Sorry yes its on the land registry, it shows as Coast (and mentions something about it being taken over from Welcome i think, from memory)

[surrey_36]

No it was refinnaced, but coast took it over from Welcome

I got statements from Welcome ages ago, am going to dig them out.

 

 

Sorry correction : I meant it was not refinanced, unless you mean when Coast took it over?

[surrey_36]

I have received statments back to 2008 from them, Its a big file, with lots of the original papaerwork, a lot of this I have not seen for a long time and im sure this wasnt in the previous SAR.  There is some information that has been erased, it seems to be the Witness or agents/sales persons name!

 

 

[surrey_36]

Are the fixed Sum payments things like Letter & Telephone call? Not sure what capitlisation is!

 

PAYMENT £571.10 £16963.26
 PAYMENT REVERSAL £284.82 
PAYMENT REVERSAL £285.55
PAYMENT REVERSAL £0.73
 REJECT CR/DR CARD PAYMENT FEE £5.00 
CAPITALISATION £5.00 
 TELEPHONE CALL OUTGOING £10.00
TELEPHONE CALL OUTGOING £10.00 
LETTER £10.00 
LETTER £10.00
PAYMENT £285.55
 CAPITALISATION £281.76 
DEFAULT SUM FEE INTREST £0.04 
PAYMENT £285.55 
CAPITALISATION £281.24 
 DEFAULT SUM FEE INTREST £0.65
LETTER £10.00
 CAPITALISATION £282.09
 DEFAULT SUM FEE INTREST £0.80
LETTER £10.00
PAYMENT £600.00 
£285.02 
 DEFAULT SUM FEE INTREST

[surrey_36]

Ok thanks DX, so i reclaim these charges and default sum fee's

Then I guess once/if this is settled and they hopefully refund these charges then I need to make a repayment plan arrangement with them.

 

I think i need to move quickly as they have mentioned legal action which they said would involve property repossesion (so they stated anyway!)

[surrey_36]

I have read through other threads but not sure if im reading the right things as cant really find anything relating to this. 

 I go to search forum then enter 'coast finance'.

 

Received a letter from Coast saying that unless i resond to their letter with offer of repayment then i will "soon receive Final Notice Letter' before your account is passed to our solicitors to commence legal action for possession of your home.

 

I have not doen the CIS sheet yet !

I have the full response ot the DSAR request and so have all information but still not original copy of CCA.

 

Just worried about the repossession threat.

[surrey_36]

Thanks DX

I have been sent a CD with tons of documents, I can probably convert them all to a PDF and upload them, ill get onto that this evening

 

Thanks for the link to the threads about Welcome/Coast, i think i get the drift