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Hi,
I entered into an unsecured loan with welcome finance on the 12/04/05 for which I payed the load for several months until I was made redundant to which I ceased payments as I was unable to pay for a while until I entered a debt management agreement in 2007 which I paid up until I lost my job due to a back injury after which the agreement failed. At the start of the debt management agreement welcome finance rewritten my original loan without notification or me signing a new credit agreement which in a sar request I received they state
" the details you requested for account ******* relate to a revised agreement which you entered into as part of your debt management agreement (DMA). Unfortunately, when your account was rewritten to assist you on maintaining your monthly payments, no new credit agreement was signed."
The account was sold to another financial (UK) limited on the 24th June 2014 to which the y have instructed Mortimer Clarke to pursue for a ccj which they gained in January 2015 which I successfully got set aside in February this year. My question is that can they legally follow this through court if no signed credit agreement exists for the account and also if no default judgement exists as when I received my sar request only notice of default sums letters were provided.
Sorry for the long post
Kind regards
Phil
I entered into an unsecured loan with welcome finance on the 12/04/05 for which I payed the load for several months until I was made redundant to which I ceased payments as I was unable to pay for a while until I entered a debt management agreement in 2007 which I paid up until I lost my job due to a back injury after which the agreement failed. At the start of the debt management agreement welcome finance rewritten my original loan without notification or me signing a new credit agreement which in a sar request I received they state
" the details you requested for account ******* relate to a revised agreement which you entered into as part of your debt management agreement (DMA). Unfortunately, when your account was rewritten to assist you on maintaining your monthly payments, no new credit agreement was signed."
The account was sold to another financial (UK) limited on the 24th June 2014 to which the y have instructed Mortimer Clarke to pursue for a ccj which they gained in January 2015 which I successfully got set aside in February this year. My question is that can they legally follow this through court if no signed credit agreement exists for the account and also if no default judgement exists as when I received my sar request only notice of default sums letters were provided.
Sorry for the long post
Kind regards
Phil
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