Welcome Finance/Coast Finance Loan

[PapayoohZoom]

Thank you Dx

Its possible I overlooked these statements sorry, that was not intentional.

They were changing branches at the time its possible this amount £8864.84 and narrated 'cheque' was given to one of the branches, another company maybe! seeing they were changing company names!

 

I am missing the other pages of the statements. Very Crucial because I am landed with a £15 000 amount being an opening balance! how did it come to be ?? From £8864.84 to £15 000.  I have requested for these statements from £8864.84 getting to £15 000  and they answered that they don't have them. The difference between £8864.84 - £15 000 = £6135.16  The missing statements have the answer for this amount. I don't believe that I generated fees and charges for more than £6000 between April 2006 to August 2006!  

 

Also in their statements WF/CF there is no amount of £8864.84 + 15000= £16 374.84

I don't know how to add these amounts anymore.

 

Please help Dx

I look forward to your letter,

Thank you.

[dx100uk]

im not sure you are even now grasping what i am doing or asking.

 

the £8864.84 settlement cheque is NOTHING to do with the refinance agreement 2006-08-28.

 

there is something very funny about linking between the 2 loans, welcome statements portray the 1st loan was settled by that £8864.84 in april 2006

loan 2 was not taken out till 2006-08-28....i think they are trying to say you settled 1st loan by that cheque.

 

within the sar there is a account or comms log,

its where they type their notes on actions taken manually by operators during its course>

 

do you have this?

 

dx

[PapayoohZoom]

Here is the sar dx

Hope it helps.

 

 

pzoom

 

 

 

comms log.pdf

[dx100uk]

that tells me YOU settled the 1st loan by a cheque following some kind of remortage deal done by you externally and used that to settle with welcome finance.

 

so.... time to bring out the braincells and come clean.

 

dx

 

[PapayoohZoom]

Hi Dx

I wish you could trust me.

I never received this amount of £8864.84 and I never used my cheque book to pay them.

Please believe me.

I wish I could know the cheque number and prove to you!

 

 

pzoom

[dx100uk]

not me  - the evidence presented...that is all anyone will go on.

 

welcome staff performed all kinds of wonderful tricks to get their commission, don't ever forget that, they were solely their for their own gain.

 

as it stands, the evidence shows that the old 2005 loan was settled by a cheque for +£8k 4mts before you took out a new loan, but the new loan shows migrated sums carried over from the previous loan...go figure that out......i cant.

 

i've never seen a welcome comms log of one page, they typically run to +25 pages going by previous uploads to date.

 

we need to construct a case and spreadsheet that positively portrays you owe nothing.

information is being hidden or not sent.

 

that scan of the 2nd loan is very double sided with bad bleed thru.

anything you can do?

 

dx

 

 

 

 

 

[PapayoohZoom]

You are so right Dx

Now how can we proceed?

 

Would you like me to scan it again. The 2nd loan. Do you mean the one which starts with £15000 being a migration?

 

 

pzoom

[dx100uk]

the later dated loan...

not sure what you mean by starts with £15k being a migration??

 

dx

 

[PapayoohZoom]

Here is their letter showing that they don't have copies.

 

Also here is the £15 000 and narrated migration.

 

Is there anything else you would like me to provide or we are ready to do the spreadsheet?

 

all known welcome statements.pdf Emails to-from coast.pdf

Edited November 14, 2022 by dx100uk
updated pdfs

[dx100uk]

which say nothing to confirm that the later loan WAS a refinance of any outstanding earlier loan.

only that migration of 'somethings' happened, 

and as the word migration appears infront of:

 

Loan Advance

PPI

Life Ins

Acceptance fee

happened.

 

 

now we could speculate that back in april 'someone' ...more to follow wait..phonecall.

[PapayoohZoom]

Is it possible we can draft the spreadsheet now. I am to produce my findings on Monday.

Thank you Dx

 

 

 

pzoom

[dx100uk]

to whom and where?

 

[PapayoohZoom]

To Target group Servicing and Coast finance both in Newport

[dx100uk]

sorry has this been ordered by a court then?

 

who is making this deadline?

[PapayoohZoom]

Its coast finance

Must we wait for court then? Okay we can wait.

[dx100uk]

thats not what i was saying, but we must try and nail down how the 1st loan was paid off 4mts before the second loan was even taken out. now we know what welcome are capable but it we could prove it...bye bye debt bye bye charge??

 

 

[PapayoohZoom]

Yes yes that's true. They are capable of anything.

 

I posted the evidence(Target' letter just a few posts up on here) that they don't have the copies of how the first loan ended and the second begun.

Oh I am going in circles now.

[dx100uk]

ill try and study things and workout how this all fits together but as there is no record of where this +£8k came from nor where it went on the statements other that our guesswork its an interesting story. but say to say i'm SURE the 2 loans ARE linked at thats the reason.

else how did loan one get paid off?? you didnt do it...

[PapayoohZoom]

No I didn't pay off this loan +£8k nor receive an amount of +£8k

I have provided the hsbc statements. I am glad you saw the statements that no +£8k  came in or went out of my account.

[dx100uk]

need a better copy please..

 

without page 2 bleedthru on scan,.

 

2006-08-28 Loan Agreement £226.34PCMx300mts £67902 .pdf

[PapayoohZoom]

Hi Dx

I am glad you are having a look at this one.

Its not my scan but their copy bleedthru

infact the second/third pages overlap and are upside down???

The whole form in itself is ?? completed on top of another form??

Loan Agreement - 15000.pdf

 

The copy is from the SAR