Ok so I guess none of the 143 viewers of this page were able to help with this, so I'll give a little update so that future posters may be able to get an answer. The payment went through fine as 10th July with no late payment fee (so therefore no late payment marker on credit files). The reason? GOD BLESS COMPUTER SERVERS RUNNING ON GMT!

You can make as many payments as you like in each statement period so long as there is at least one made between the statement issue date and the minimum payment's due date. From what you describe, you will have been correctly charged.

This loan has never been reported to the CRAs since it replaced the old one last July, which shows as settled on my file. I should definitely have received a default notice by now (dodgy or otherwise) considering how far behind I am.

3 months since I last heard from WF. 4 months since my last token payment 9 months since my last full regular payment. Still nothing on my credit files. Bizarre! :-|

Why would you want it to be later? The sooner it falls off your file the better. I wouldn't worry about it and as it is coming up to 5 years old it's not worth contesting it for the sake of 1 month (which would be counter-productive anyway).

I'm usually very good with my payments, however this month I got it into my head that my minimum payment was due by 17th July which is actually when my next statement is due to be produced. Therefore the minimum payment was due on 10th July. I logged into my account tonight at 00:20 and realised this and immediately paid just above the minimum (I had logged in to pay the money anyway.) As it had gone midnight by 20 minutes (and therefore the 11th July) am I going to be charged the £12 late payment fee? And am I going to get a late payment marker on my file? If so, am I likely to get anywhere by phoning them up and pleading my case? I'm not overly fussed about the £12. It was my cock-up. I am more concerned about my credit file.

Ok, I know the score with these things except for one minor point. When *I* look at my report I see the two addresses, the date of the link and who made the link. Does anyone else searching my file see this complete picture or do they just see the addresses in a similar fashion to Equifax?

Thanks, I'll have a play with my calculator later. Though there is no PPI on the second loan, just the first.

Also, in a SAR, am I likely to get copies of letters I have sent to them in the past or are these likely to have "disappeared"? At my old company I worked for, all correspondence was scanned onto file before being processed. Do Welcome do similar?

So if I take the arrival of the statement as an excuse to review my position with them and write them a letter disputing the PPI on the original loan, that should do it? Assuming the PPI claim is successful, how should the reduction be applied? Am I right in thinking they would have to put me back in a position the same as if I had never taken out the insurance on the original loan? Either: 1. Basically £2500 minus the payments made on the first loan, plus interest up to the day of settlement of that loan. This balance being the new loan amount less payments made, plus interest and the balance adjusted accordingly? 2. A settlement figure based on the PPI amount on the original loan split between paying off the arrears and the rest at my choice of reducing the balance or paying down the debt? I think the second option is what they would go for which would mean me owing more than if option one was correct. Help!

Right, so far I've not done a SAR for them or paid them any more £2's since my last post as I decided I would wait to hear from them again before hitting them with requests etc. Which brings me to the point of this post....... (for which, can we put all suggestions regarding PPI etc to one side for a moment) Aside from an annual statement received last week, I have not heard a peep from Welcome regarding my loan. They are still not reporting this loan to the CRA's either. I now have a part-time job, which means I'm ever so slightly worse off than I was when on benefits (I don't like sitting on my arse taking hand outs from decent taxpayers) so I still can't afford to meet the repayments or clear the arrears. Aside from a few late payments in the last year on my mobile contract and a Provident loan showing a few late payments (almost settled now, only £53 left to go) there is nothing else negative on my credit file. So I'm in limbo a bit until they make their move. I know that at some point in the future they will default the account and it will probably be Lewis Group that enters the default on my credit file (I have reason to believe Welcome are trying to enter something but it's going wrong their end somewhere). If I'm going to face a 6 year black spot on my credit file, do you think I should just find a way of getting them to get on with it (and then start on the PPI etc proceedings as discussed above) so I can start the 72 month countdown to freedom (which in the meantime I can build a strong history with the credit agreements I have got- 1 credit card with £250 limit, 1 mobile, 1 catalogue and 1 bank account). Basically, should I write to them and say "oi you ignorant gits, after nearly 3 months of silence, do you want to default me? See you next tuesday."?

Just a quick question. Has anyone here (or knows of anyone who has) been taken to court by WFS or Lewis Group (or anyone else belonging to these people) for non payment of their unsecured loan?

Well after 10 weeks since my last attempt at communication with WF, I finally heard from them.... My first annual "we're obliged to give you" statement. I've not heard anything from them with regards to wanting any monies from me or a default notice, though I think this statement is an early warning I'll be hearing more from them shortly. Interesting fact to point out: there is only 1 charge of £20 for a failed DD on the statement. They have only received 4 monthly instalments for July Aug Sept and Oct 2009, followed by 9 weekly payments of £2 from Jan through April 2010. Compared to some of the stories on here, this is a bit strange. I'll update my own thread when something worthwhile happens.

Yes, turned out the receptionist got the wrong end of the stick thinking it was just a normal filling (which of course cannot be glued back in) rather than a crown. The 12 months had passed as I mentioned so he had to pay the band 1 price (£16 or whatever) for a check up and the crown was recemented in place.

I've mentioned before on here that my refinanced loan with WF has not shown on my credit report. Now here's an interesting thing for you.... Last week I got an alert from one of the CRA's talking about a new entry on my file from Progressive Finance, with the same reference number as my settled original loan. I thought "here we go" and checked my report only to find nothing has changed, no new entry. Nothing. I wonder if there is a software conflict somewhere that's preventing a correct update . Also, it's now 8 weeks since I last heard from them. Its been over 6 months since my last full monthly payment and still not defaulted. I have no idea what's going on with them!