lowell/restons got a CCJ on a refinanced welcome debt- i think i've been had!!

[sperry]

Its been refunded off the current balance. The debt was sold to cabot so theyve had to contact them to adjust the balance.

[dx100uk]

they shouldn't be doing that

they've sold the debt on

they have no rights whatsoever to pay anyone the money bar you.

 

 

dx

[sperry]

The bloke i spoke to today was the same one who sent my final response. I queried it with him because cabots solicitors are claiming there waiting for a response from cabot regarding the refund, yet the bloke i spoke to today is saying he has an email from cabot claiming its been updated. Awaiting the email from him with the attachment.

 

so am i now right in thinking i need to be kickin off again?

 

Ive got a rotten feeling in my gut that im being fed a mountain of lies and something underhanded has taken place.

[Conniff]

Ive got a rotten feeling in my gut that im being fed a mountain of lies and something underhanded has taken place.

 

Well of course you are, this is debt collectors we are talking about, they invented bull.

[sperry]

Well of course you are, this is debt collectors we are talking about, they invented bull.

 

Yeah thats true, previous msg on this thread saying evidence will be dropped into shredder etc. Its starting to get that type of feel about it.

[dx100uk]

so why have you not been around for 5 mts

what did you do with the sar stuff?

 

 

challenge the ccj

create a spreadsheet for the penalty charges and one for the ppi etc?

how have you suddenly got this offer and on what?

 

 

dx

[sperry]

Ive been keeping on top of other bills over the last few months and attempting to get them in place.

 

i havent had anything regarding the sar as of yet. Its only due in this week, hopefully tomorrow.

 

As far as how this offer came about, it came about from my complaint to them about charges and interest over a period of time. The 190.22 is what welcome say was the total interest over that period

[dx100uk]

but why did you complain

when you didn't even have the data to even know how much you could get back?

this is what comes from phonin these people

 

 

you tip them off about what you are going to do.

 

 

that's was the idea of the SAR

[sperry]

I had already sent off the complaint when i had posted my original post. I understand the mistake regards the sar, all this is new to me.

 

I believe i have some paperwork/emails that specify two amounts that woukd contradict the amount of charges/ fees added. A difference of 500 or so.

[dx100uk]

Looking good then

I'd await the sar

 

Dx

[sperry]

Received my sar request. Have managed to jot down fees and charges and there totals. I have noticed a few areas that i believe may be of signifixance but ill start off slow.

 

letter fees = £50

DD Fee/declinded fee = 80

Telephone fee = 110

 

there is something called a fee assement = 35.97

 

The last fee is i think what i was referring to in my original post what i couldnt think name of.

capilisation fee = £1506.18

[dx100uk]

cap is there word for interest.

 

 

so pop that lot is this:

put their int rate in cell d15

 

 

CISheet v101.xls

 

 

have you all the statements for all the loans?

[sperry]

I have got a loan history spreadsheet. 9 pages

2 pages on correspondence.

2 pages on insurances that shoes just a single row explaining premiun charge

Credit agreement

64 pages of activities

6 pages of activities in a different format.

 

sorry if im coming across abit stupid. Never dealth with so much paperwork before.

[sperry]

I keep spotting different figures and comments that are standing out. I dont know if i should be giving you examples yet. Should i wait until told to do so? I dont wanna be posting things that arent relevant.

[dx100uk]

with the greatest respect

you've been here since feb

and have read no threads whatsoever concerning reclaim and welcome finance

 

 

you are in the welcome finance forum

 

 

go here which is its home page

 

 

and read a few threads that appear relevant to reclaiming from welcome on penalty charges

 

 

when you've bought yourself upto speed.

 

 

we will gladly help you.

but cag is about self help too.

 

 

dx

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?248-Welcome-Finance

[sperry]

My problem is i get confused then nervous and more often than not i end up sayinh to myself " oh behave a silly muppet like you cany understand this stuff". This isnt an excuse or some way of looking for sympathy just trying to br honest. I often end up googling or searching while not signed in.

 

genuinely i am trying though.

[dx100uk]

you'll be ok

 

 

go look using the link I posted

and scroll thru this list of threads

and click one or two

 

 

dx

[sperry]

Had a read through a few threads, still abit confused not gonna lie. Refusing to cave un though.

 

i have seperated sar into manageable sections. I will be posting up credit agreement tomorrow and doing spreadsheet also.

 

i was wondering because welcome sent this sar out as a goodwill gesture after claiming they did not receive my original request will all info still need to be there?

 

Welcome claim they sold my debt but have not included a sale of debt letter which im shocked about.

 

 

Whilst on this subject my loan history paperwork claims the debt was written off on 02/07/13 with an amouny of 1646.66,

however on the row below the last amount was 1358.88.

 

Should i send the dca who took the ccj out a request for the credit agreement?

 

 

Can i refuse to pay anymore until they do so aswell given its a court order

[dx100uk]

the CCJ trumps the CCa

though there is no harm in sending one.

 

but the reclaim etc is nowt to do with them.

still goes to welcome

 

if you like

scan up your statements

we are well used to welcome statements here:lol:

 

if tyou follow the upload

and pop them all in a word doc FIRST after redacting them

and then print to PDF or save as pdf it will be easier for us.

 

dx

[sperry]

Free day tomorrow so intend on a bit more reading and nit pickin. Sure i spotted a area on the activities section thay states they changed interest back up to 48%. Hopefully tomorrow can be a forward moving day. Chompin at bit to chew someones ear off. Lol

[dx100uk]

welcome debts are never all they claim to be

why do you think Lowell/reston go for sneaky backdoor CCJ's

 

 

dx

[sperry]

Speaking about lowell i need to politely send them on there way. Attempting to get money ona statute barred. Neway different story different thread... ive only just realised this thread title, the dca in this case was cabot.

[sperry]

Hi all, just completing the spreadsheet given in a different post, just wondering, the Capitalisation (interest) drops to 0 for a large period of time, is this still to be included but with the value as 0?

 

Thanks for the help

[dx100uk]

You never Inc cap figures

 

Just the fixed sum charges