Hi all, Firstly, very interesting reading regarding WFS. It's nice to feel that I'm not alone in my problems dealing with them. My story is probably quite similar. Basically had some financial problems a number of years ago, resulting in a dodgy credit rating. That was fine and I was managing. Unfortunately, I then separated with my long term partner and had to resort to a loan from WFS to help separate my finances from hers. Out of desperation to get this sorted I took out what I knew to be a silly loan of £15k, over 10 years. The payments were a little steep even then but I foolishly agreed (would probably argue I wasn't of sound mind.....but then could be argued I never am ;P ) and subsequently got into some difficulties pretty quickly. When I approached them for help in sorting this out, they had just the solution....get a bigger loan and clear everything. My salary had increased by this point so again i thought I could afford and pressed ahead. Life was pretty miserable following this. Trying to repay the £20k loan I now had was difficult and they were harassing me constantly, stacking on charges, phoning me daily (several times and at all hours) and quite often phoning my friend who had agreed to be a referee / witness for me even though they were speaking to me. Out of order in my book. I did meet with a decent-ish guy from there in 2007 who has set up a payment plan of interest only to help me get on my feet. Whilst I appreciate the help I'm painfully aware that I am paying £175 a month on a balance that is going nowhere and although this guy was approachable and personally a decent guy, I feel royally hung out to dry by Welcome. Yes I shouldn't have missed payments, yes I shouldn't have upped the loan but as many of you will know, when the desperation of feeling like there is no escape from debt worries kicks in, you don't always react rationally. This is where companies like Welcome profit. My question would be: Given that the original (£20k) secured loan was taken out in april 2006, is there any mileage in going down the unenforceable route or is this one company who despite being charlatans who have their house in order regarding paperwork and T's & C's? For the record, I don't usually like to try and evade debts (FWIW I have subsequently cleared all and any other debts I have - he added smuggly) but I feel I have been taken advantage of and if I have the opportunity to put one over on this shower then I'd like nothing more than to do so. It would also be a life-changing event if I could kiss goodbye to this burden. Any advice / info would be great. Apologies for the massive first post. Further ones will be shorter....promise.