welcome finance signed for the tracked letter 03/07/13

Hi, Received the following letter from welcome today. Dear Mr Phillips Account number ******* Thank you for your complaint received on 08 july 2013. I am sorry that you have had to make a complaint. At welcome finance we take complaints seriously and do our best to solve any problems as quickly as possible. Although every effort will be made to investigate your complaint as quickly as possible we may take uo eight weeks to respond to yourcomplaint if you need to contact us about your complaint during that time, please quote our reference at the top of this letter it is important that you continue to make your agreed payments on any outstanding wf agreements you hold to avoid any penalty interest or charges being applied yours sincererly no name given welcome finance customer relations 0845 618 7847 letter sent fromcustomer relations.mere way, nottingham, ng11 6nz

ok will do, many thanks. i'll let you knowhow it goes

Apologies for the above spelling, late night early morning.

Thank you guys so much, I'll get this in tho post tomorrow. I believe the debt has been sold to MKH as i've been receiving calls daily for the last 2 weeks, I've not answered any of the calls. The debt shows its with welcome of CRA file though?

Thank you appreciate the help

I have not sent a SAR letter before. Moving the default date back to 2nd or 3rd missed payment would be ideal.

Sorry I haven't sent a SAR letter before, Yes I would very much like to get the default moved to correct date. I've had a read through a few accounts similar to mine, some went quite well others seemed to open up all sorts of problems. Please bring on the brig. I really do not know how to move forward.

I'm trying to obtain a mortgage with my wife at the moment, - however my bank utilises CRA Equifax and this account does not show with them. I receieved an alert last week informing a change to my report ie account status changing from delinquent to default 30/04/13 I've been working through my CRA files paying, tidying up for the last 3 years and this Welcome account is the last one. I'm just eager to get a clean credit report. How can i SAR without a account number can i get this from Experian? I have sent a SAR before

No, the only reference I have is on CRA Experian report, I cannot see an account number or anything.

Thak you for replying, I would like to know the fastest way to resolve this problem please

I would like to get the default date corrected. I would then have to settle the balance.

Experian had been reporting the account as delinquent from 2007 then chaged to default on 30/04/13

Thank you for replying. Yes Welcome reported default dated 30/04/13 after 5.5 years no contact.

Hello, Thank you for reading, apologies if I’ve posted in wrong forum section. Experian have been reporting since 04/10/07 a Welcome finance loan amount £2500. with a balance of £8332 for the first 4.5 years up until a year ago when it changed to £3990 its current balance. I've never paid any payments towards this loan ever or made contact and thought is was in fact taken out much earlier in the year 2007? The account has been reported as delinquent i.e. 6 markers for the last 5.5 years. Since 30/04/13 the account has been updated as in default, this would mean being reported to Experian for 11.5 years without any contact. The default was placed using my previous address according to Experian. Any help how to deal with this mess would be appreciated. I'm aware I should have paid at the time but I’ve only recently been able to deal with it. Regards