okay, if it goes to court and I say I did not agree to 22% apr over xx months, what would happen??

Some misunderstanding here, I took a third loan to consolidate 2 other loans running at once. So its a reconstructed agreement of the third loan if you get me. How can ninjainthenight be right, surely the creditor needs to show I agreed to the terms including apr etc With welcome's reputation of making it up as they go along it does'nt look good. If it goes to court and I say I did not agree to 22% apr over xx months, what would happen??

yes ALL they sent for 10 pound sar request. Is it possible to take welcome to court for not supplying VALID cca within 28 days? The name on cca has to be a least right, would like to challenge them What form would i need for this and what costs

okay great, I have a letter from them saying thankyou for your sar request and they sent me nothing else

I did a sar and all they sent me was a cca for an old loan of 5k and a statement starting 15k what they are saying is I had 2 loans running for 10k then I got another loan for 15k, 10k paid off 2 loans with 5k cash = current 15k above

here it is , this is 2 loans into one, do they have to send me the cca for the other 2 loans??? agreement number, none? never took out ppi thank god

should drop off after 1 years

good luck with this

I have had old debts chased, but they give up when I send statute barred signed for letter

6 years for a default is wrong

I hate em too

happy days

good luck

Thanks for replies guys, will have read through careyvhsbc later Alot for me to take on I think, anyone know a solicitor that would take this on for me.

HI I got a reconstituted credit agreement from welcome, this contains very little detail and the name is wrong e,g on the agreement it says C Smith when my name is D Smith Is this still valid