Welcome Finance - PPI & CCJ - Help Please

[bulldog1979]

Hello everyone - Ive just joined LegalBeagles so be gentle!

I have been reading the various posts regarding Welcome Finance and I'm in need of some advice please if that's ok as I think I've actually confused myself more now!?!?

I have just been issued (by a bailiff) a means form for a CCJ through Northampton Court for a Welcome Finance Loan?

I didn't get any notification about the pending court date or case to my knowledge otherwise to be honest I would have been searching what to do on google prior to now!

I have spoken to WF and they have said that i had two loans one in feb 2008 (£2k) which i consolidated after they contacted me in sept 2008 (£4098) and that is the one which is CCJ (now £7515!)

I got my credit file off credit expert and noticed the 1st loan is on there but the 2nd loan isn't on my credit file apart from the county court judgement which apparently happened on 17/8/12.

I know FSCS are dealing with the PPI claims now for WF and I wanted to see if you could help in what i needed to do and how!

Sorry to contact you direct I noticed you had helped people in similar situations before but i didn't understand the coded letters sending to court etc (n244) or what i need to do in which order? - apparently FSCS don't have my up-to-date address on file as they have an old one so i have to write to them and inform them (with proof) that I live where i do - even though that's where the bailiff came?

Thanks you in advance for your help!

Jeremy

[seduraed]

Re: Welcome Finance - PPI & CCJ - Help Please

experts will be along shortly . But dont panic , there is a procedure for getting the judgement overturned ifthe court processes have not been gone through properly.
The loan needsa section 75 request costong £1 send them the pond and ask fgor a copy of the agreement .

[miliitant]

Re: Welcome Finance - PPI & CCJ - Help Please

if you have only just been aware of the ccj, you need to fill out an N244 application notice from the court,(you can download it)

say you are applying to set aside the ccj because you never received the original claim form to be able to defend. the ccj will then be set aside and it will start all over again. bad news is that it will cost you eighty quid


it is to early for a means form from a baliff

who sent you the form, who is the baliff, and what is the date of the judgement