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Hi Everyone
I was hoping to receive some advice on a very difficult situation I have found myself in. I suppose I will start at the beginning to give you all the details.
I took out an initial loan with Welcome Finance back in 2006 for £1500 which included PPI. I then received a phonecall a year later after clearing half of it asking me if I would like a further loan of money, I agreed and so the initial loan was repaid and I had a new loan of £3000 without PPI. In 2008 I stopped paying this loan due for a number of reason and effectively cut off contact with Welcome Finance altogether. I moved to London and had received letters from them and statements right up until I think around 2011. I had never heard anything in terms of debt collection agencies etc.
I moved to Spain in Dec 2011 and have come back to London just this month (August) , I applied for a new job and it turns out that a ccj was registered on 25/07/12. The CCJ registered was for £3,551. I contacted Northampton county court and they told me it has been transferred to Kingston Upon Thames court and when I asked they said that was likely when the creditor is seeking further enforcement. I called Kingston Upon Thames and they said that yes it is transferred to them and if I was asking for it to be set aside I need to complete the N244 form and pay £80.
I then contacted Welcome Finance and explained that I would like to come to some type of agreement with them so that I can ask the judge to set the ccj aside on the basis of never receiving any notice of the debt being reassigned and also the fact that I had moved out the country and never received any judgement notices etc. Welcome Finance said that they cannot deal with the account and that I would need to speak to IND Ltd.
So I called IND Ltd and said the same – I’m not in a position to pay the full £3,551 within the 30 day time limit for the judgement to be automatically cancelled but I wanted to come to an arrangement with them to then ask the judge to set it aside. I was told they wouldn’t accept any agreement . Firstly I offered to pay a lump of £1000 and then pay £500 per month and when she said there was no way I then asked about a discount where she said It would need to be around £3,000 and full and final settlement would be the only way to get the ccj cancelled.
Realistically what I wanted was to come out of the conversation with an agreed payment plan so I could then ask the judge to set the judgement aside on the basis that Welcome/IND would agree no to contest and the other reasons detailed.
I really don’t know what to do as I am in a catch 22 position, I don’t have the cash to pay the full amount to make this go away and the problem I have is I have just had an offer for a position in financial services which is my background but I know next week I will need to submit the credit check info for them and I will not pass hence I will not get the job.
Does anyone know what I should do, how I should proceed with this? I would be grateful for anyones experience shared.
Thanks.
James
I was hoping to receive some advice on a very difficult situation I have found myself in. I suppose I will start at the beginning to give you all the details.
I took out an initial loan with Welcome Finance back in 2006 for £1500 which included PPI. I then received a phonecall a year later after clearing half of it asking me if I would like a further loan of money, I agreed and so the initial loan was repaid and I had a new loan of £3000 without PPI. In 2008 I stopped paying this loan due for a number of reason and effectively cut off contact with Welcome Finance altogether. I moved to London and had received letters from them and statements right up until I think around 2011. I had never heard anything in terms of debt collection agencies etc.
I moved to Spain in Dec 2011 and have come back to London just this month (August) , I applied for a new job and it turns out that a ccj was registered on 25/07/12. The CCJ registered was for £3,551. I contacted Northampton county court and they told me it has been transferred to Kingston Upon Thames court and when I asked they said that was likely when the creditor is seeking further enforcement. I called Kingston Upon Thames and they said that yes it is transferred to them and if I was asking for it to be set aside I need to complete the N244 form and pay £80.
I then contacted Welcome Finance and explained that I would like to come to some type of agreement with them so that I can ask the judge to set the ccj aside on the basis of never receiving any notice of the debt being reassigned and also the fact that I had moved out the country and never received any judgement notices etc. Welcome Finance said that they cannot deal with the account and that I would need to speak to IND Ltd.
So I called IND Ltd and said the same – I’m not in a position to pay the full £3,551 within the 30 day time limit for the judgement to be automatically cancelled but I wanted to come to an arrangement with them to then ask the judge to set it aside. I was told they wouldn’t accept any agreement . Firstly I offered to pay a lump of £1000 and then pay £500 per month and when she said there was no way I then asked about a discount where she said It would need to be around £3,000 and full and final settlement would be the only way to get the ccj cancelled.
Realistically what I wanted was to come out of the conversation with an agreed payment plan so I could then ask the judge to set the judgement aside on the basis that Welcome/IND would agree no to contest and the other reasons detailed.
I really don’t know what to do as I am in a catch 22 position, I don’t have the cash to pay the full amount to make this go away and the problem I have is I have just had an offer for a position in financial services which is my background but I know next week I will need to submit the credit check info for them and I will not pass hence I will not get the job.
Does anyone know what I should do, how I should proceed with this? I would be grateful for anyones experience shared.
Thanks.
James
then i can tell you you have a defence. it is to early to go into the detail of the defence but i will say
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