Thanks for the advice, she doesn't think she's had a statement from WF but it hard to tell for sure because it was a bad time and lots of paperwork 'went missing'. The CCA Request has been sent, so we should have a copy of the agreement soon....or not.

Thanks dx, thats a cca request right? I'm just having a bit of a read up on this stuff as I'm really not sure how to go about things like this. What information would I need to present them with in order for them to have a chance at fulfilling the request? Sorry for the questions, this is all brand new to me.

Hi, thanks for the response. I have a problem, for one reason or another the paperwork is not available. Is there anything that can be done about this? WF arent the sort of company I'd trust not to doctor anything they send out, so I'm wary about requesting a copy. I also have since found out its a secured loan rather than unsecured as I originally said. I realise I'm not making this very easy for you and I'm sorry about that. This all happened before I was on the scene.

Hi everybody, great forum, hope you can point me in the right direction! I have recently discovered that my girlfriend has a loan with these Welcome Finance people, I was shocked to find out that its an unsecured 15k loan over 120 months at £375 a month. Its only an 18 month old loan so there's around 38k outstanding balance. She has never missed a payment and I dont believe there is any PPI. I'm currently trying to help her with her finances as she's only just keeping her head above water and the worry is having a detrimental effect on her health. Its not doing my stress levels much good now I know about it either! I have read on here that WF are being slowly flushed down the toilet, big shame! With such a large balance remaining over the next 8 and a half years does this leave us in a good position to negotiate a good settlement figure or as she's paying up on time will they drag it out for the duration of the loan by giving a poor settlement figure? I'm really looking for any tips or advice anyone can offer that may help her to reduce this obscene debt, I'm willing to do pretty much anything to help her so effort is not an issue. Any help would be much appreciated.