I can see these people are very slippery indeed!! Thanks very much for the defence, I wouldn't know where to begin! Your help is truly appreciated. I calculate then that I need to file my defence by 30 April so would be grateful to have a read through what you have prepared and I can get it organised and ready to go before the deadline. Thanks again postggj Best, CoffeeAngel

Oh I think they are very busy at the mo . Good luck to you too. Best, CoffeeAngel

This is why I am so glad I found this site, you all give me hope! Posted of CPR to Cohens yesterday (recorded) and so will now sit back wait to see what happens. Incidentally, given that I have acknowledged service within the 14 day timeline (court papers issued 6th April) how long do I have before I have to file a defence? Best, CoffeeAngel

Thanks my dear cheerleading is much appreciated! Will keep you posted:) Best, CoffeeAngel:)

Own thread started now....... "Welcome Finance and Howard Cohen". Quick question though, do you think it would be a good idea to send the letter by fax too or just recorded delivery? Best, CoffeeAngel

As advised by postggj, I have started my own thread to avoid confusion with YoungMan's thread. So to recap, I'm another unhappy camper being royally done over by Howard Cohen/Welcome Finance. I have recently come out of hospital from undergoing major surgery and on my return home found a letter from Howard Cohen telling me that I had seven days within which to pay the full amount owing. I have also never received a default notice from Welcome Finance or Howard Cohen. In the whole time I had the loan with Welcome I have only ever received two pieces of correspondence from them; one regarding "Notice of Variation to Agreement Number: XXXXX" and a personal loan statement which suggests the loan was taken out in September 08 as opposed to January 08 which does not detail payments I have made. Is the Notice of Variation their version of a Default Notice? I am pretty sure it isn't as it did not enclose a copy of the OFT information sheet on default. Also the amounts differ hugely! On the advice of postggj, I have acknowledged receipt of the claim online and am preparing the CPR letter to be sent to Howard Cohen by recorded delivery. As I said in my original post, I'm really trying to keep a lid on the stress levels and contain my anger as given I had tried to deal with Welcome in the right way at the very beginning when I encountered financial difficulties, their attitude leaves a lot to be desired!! Anyway, I will update as soon as I get a response (but am not holding my breath given the way they have treated others) from Howard Cohen. Thanks again for all and any help given and can give in the future. Best, CoffeeAngel

Thank you postggj. I will do that now. Thank you also for clarifying my next move. I have completed the acknowledgement online as you have suggested. As I can't print at the moment, I have saved to my computer and also sent a copy to my email address which I will forward along with the CPR letter to Howard Cohen to my sister who will print it for me tonight at work. Thankfully the local post office is not too far of a walk for me to get to tomorrow, so I will send by recorded delivery.

Hello to all of you and apologies for tagging on but I too have received court papers regarding Welcome Finance and need your help. I have recently come out of hospital from undergoing major surgery and on my return home found a letter from Howard Cohen telling me that I had seven days within which to pay the full amount owing. I have also never received a default notice from Welcome Finance or Howard Cohen. In the whole time I had the loan with Welcome I have only ever received two pieces of correspondence from them; one regarding "Notice of Variation to Agreement Number: XXXXX" and a personal loan statement which suggests the loan was taken out in September 08 as opposed to January 08 which does not detail payments I have made. Is the Notice of Variation their version of a Default Notice? I am pretty sure it isn't as it did not enclose a copy of the OFT information sheet on default. Also the amounts differ hugely! Looking at the advice given, should I too acknowledge receipt of the claim online and get a CPR letter sent to Howard Cohen? My court papers are dated 6th April 09 so I need to get my response in today. I am trying very hard not to stress about this but its very hard. Not aiding my recovery in the slightest! Thanks to all of you in advance for any help you can give me too --- its been a very long time since I worked at a litigation secretary and so your help, in fact all the advice on this forum and group is invaluable! Best, CoffeeAngel