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Ok so I've never used one of these websites before so bear with me!
I had a very old debt (2004/5) with Welcome Financial Services, commonly known as the lowest of the low. I took out a personal loan for £1500 because my son was born with cerebral palsy and I needed a car for hospital appointments. Long story short over the next few years I religiously paid £150 a month approx. As it was so long ago I had no paperwork and am a bit vague on the details but going by my calculations I reckon I've paid them back over £5000. I know they were infamous for PPI and unfair charges. We moved house and I assumed the debt was settled. Then Nov 2015 I got a letter from Shoosmiths on behalf of Cabot Financial who were going to take me to court saying I still owes £2600.... For a £1500 loan!!! So I let them take me to court and despite only taking one piece of a4 paper, I won and the judge ruled an adjunctment (?) dunno if that's the right word but basically they wanted to dismiss the case and the judge said he was worried they wanted to recall it later so he ruled that it can never be called again! I was elated! Now I would like to claim back PPI and unfair charges if I had them. My question is if it gets awarded, will the amount go towards the £2600 that Cabot say I owe or is that negated by the fact that the ccj went in my favour and the debt to them was written off? I know the best thing to do is get a SAR from welcome to see if I have PPI but do u usually do it all yourself or use one of
These companies that take a percentage of any claim?
I had a very old debt (2004/5) with Welcome Financial Services, commonly known as the lowest of the low. I took out a personal loan for £1500 because my son was born with cerebral palsy and I needed a car for hospital appointments. Long story short over the next few years I religiously paid £150 a month approx. As it was so long ago I had no paperwork and am a bit vague on the details but going by my calculations I reckon I've paid them back over £5000. I know they were infamous for PPI and unfair charges. We moved house and I assumed the debt was settled. Then Nov 2015 I got a letter from Shoosmiths on behalf of Cabot Financial who were going to take me to court saying I still owes £2600.... For a £1500 loan!!! So I let them take me to court and despite only taking one piece of a4 paper, I won and the judge ruled an adjunctment (?) dunno if that's the right word but basically they wanted to dismiss the case and the judge said he was worried they wanted to recall it later so he ruled that it can never be called again! I was elated! Now I would like to claim back PPI and unfair charges if I had them. My question is if it gets awarded, will the amount go towards the £2600 that Cabot say I owe or is that negated by the fact that the ccj went in my favour and the debt to them was written off? I know the best thing to do is get a SAR from welcome to see if I have PPI but do u usually do it all yourself or use one of
These companies that take a percentage of any claim?
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