Ciaran39
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Hi Dx, thanks for the response/ I understand it is not clear cut and I would not imply to a judge that we never had the loan, the fact is that we have paid £23000 of an £18000 loan so the sum total that we borrowed and interest has been paid, my query was how much interest and what charges as we don't have an original copy of the CCA. I would be aggrieved to pay any more to be honest and they will default if they don't supply the documentation but my question is as to what letter do I send next? I am willing to go to court as I believe in the laws eyes the debt is paid in full.
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Is there a link to what I need to send next?
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Thanks Mike, The loan is secured on our property and was taken in 2008 but I can only find a schedule for it that is incorrect at the moment, they didn't quote any Case Law which sounds a little dubious. I thought that was the case and I have it writing on headed paper that they are no longer in possession of such paperwork but still unsure what my next step should be apart from blind ignorance. Do I have to put the account into dispute?
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Please can anybody help??
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Hi all, I sent a CCA request to Welcome Finance on a secured loan from 2008 for over £18085. they have now replied stating that they are no longer in possession of the document but we are still liable for the debt under case law and the Consumer Credit Act. The figures they have returned look to have been completely made up, what should my next step be?
