Thank you. Will send by post- but would you also reccomend sending my receipted email too?

Thanks. Sorry for the confusion. Balance was sorted, which is why I can't understand this Default. Will send tomorrow. Thanks again.

Yes, the balance is now 0 as it was showing in arrears last Friday. I paid off the balance in full once the dispute over charges had been sorted July 11.

Thanks so much Brigadier2JCS- thats great, will send first thing tomorrow ( as missed post today). There is no balance showing- marked as 0. Please could you explain what point 4 means- is that what would have happened if the account officicially defaulted- that it would have been passed on?

No, everything in post 1 is the situation/issues. I rememeber being in constant contact with their office in Falkirk, where our account had been re-located too, I was constantly in their radar!! Disppointed to have not heard about the data protection breaches when they came out and confronted my wife- but I suppose that would be a separate issue( although I have complained). Thanks your help is greatly appreciated.

Yes, that would be great thanks- not clued up as yet on the legal jargon. Thanks.

Thanks everyone. Pleased to have found this forum. No, the debt has not been passed on. The dispute on the balance was solved and I paid the balance off. I was in constant contact regarding this. The CRA files show no arrears, balance now £0. Although now thinking, I have not received anything back to say the Car is offiicially mine, although I have all paperwork to show balance paid. Will do as you suggest regardng sending a letter- is there any official template to use? This has been on my file for over a year now- wished I had known sooner. Why they marked S in August if they are stated it was settled on 16th July 2011?

Hello everyone I would be very grateful for some advice please. I had a car loan with Welcome Finance for 4 years which came to an end last year. A month before the end of the term, I contacted WF for a settlement balance. After paying on time every month, I was surprised to see that the residual balance was more than what we expected to pay. Therefore, I disputed this and WF put this on account into dispute and on hold until they investigated the issue. During that time, bearing in mind, I had not missed a payment in all the term, my wife received an evening call after 7pm.The person did not ask my wife, who she was, just she was after Mr xxxx regarding welcome finance and stated the whole balance owning. We contacted WF about this and to this day we are still awaiting a response. However, as I have not checked my credit fil until possibly going for a rent to buy scheme, I have not noticed what they have placed on my credit file- a DEFAULT!! Never had a Default notice at all- the account was on hold until they sorted the correct balance of £349. The following really puzzles me: Date of default Date updated Date satisfied is all the 16th July 2011. All green until May 11, then marked numbered 1 June Marked 2 July marked D August S I would be very grateful for some advice on how to tackle the above. Thanks in advance.