company I took out the loan with was welcome finance,
I have the original paper work for the loan in feb 06 for £7000 over a period of 84months 7years, bringing the loan to a close feb 13,
for one reason or another I did not notice that the loan should have finished until I had issues lately making re-payments.
I was informed by the now company Prime Credit that the loan I took out in Oct 06 was for £12k over 15 years.
They have no signed paper work to support this, no evidence that I have had the loan.
I have bank statements and original documents to confirm a loan in feb, but nothing in oct.
My bank statements show no payment in from this company in oct 06.
I'm trying to get back the £13500 I have over paid them in the last 5 years.
Prime credit who took on the account in 2016 have dismissed my complaint hiding behind a time barred loop hole, as it is over 6years old.
The ombudsman has been involved but Prime credit are not regulated by the FSA although it seems their administrator Acenden Limited are.
So I'm try to collect all the evidence I can to prove I never had this loan so I can make a case against someone