Saintly_1,
No thanks I am OK for now.
I myself have been using the forum site to help fight off a multitude of creditors that have started on me and no doubt will continue to do so - very helpful so far from other peoples experiences, standard letters etc.
Whilst I have over 20 years financial experience myself none of that has been spent defending myself.
Thought given my extensive knowledge of Welcome Finances operations, lending system (including selling of PPI etc) plus the way they add charges on accounts, collection techniques and so on, thought I may be able to offer some assistance back if required.
Cheers for now