Can I jump on board here - I have just posted similarly on the Credit Reference Board as I believe Welcome are doing this to me. Two accounts dating back from 2006/2007, one loan one HP Car (young and silly) anyways both defaulted all this time back, one even has a CCJ, yet one still showing as only code 6 on my credit file and one last month was code 3! How can this be - I have done nothing with these for nearly 3 years! Welcome updated the information in January 2010 so it is wholy inaccurate. Any recommendations what roads I should go down? Thanks

Hi Longtime since I have been on here but following a split with my ex and "disassociating" ourselves have been looking through my credit file. I have two queries with the information. There are two entries to welcome finance, one was for a loan and one was for car finance. Neither are showing as defaulted just have code 6 for the payments. Now the loan one defaulted approximately 2007 and they actually have a CCJ in this respect so I am confused why the entry is not showing as defaulted - is this so it will stay on my file longer as obviously the CCJ Will go in 2013. Secondly the car finance - again this defaulted around 2007/2008 and I dont even have the car anymore - but is still showing as code 6. I am finally getting my credit back on track and everything is looking much better - by 2013 (ages yet) I will be back having a good credit report - apart form the two entries above. Can anyone advise what I should do? I have written to Credit Agency about this but they haven't rectified. Should I contact Welcome? I dont want to open a can of worms? Thanks in advance C

Well, I would like to say I had received a response from Welcome Finance, but what I have received is a compliments slip with a copy of the documents which I signed! HELLO! I am not disputing I signed them I know I did, I am disputing that I was not explained what the PPI was and that it was implied that this was required to be taken out to obtain the loan!!!!!! Where are their replies to my enquiries? They are today getting a snotty letter back, and being told that as the account is in dispute no further payments will be made and interest is to be frozen! Will keep you posted.

Well add me to the list of people taking on Welcome Finance! Basically I have a loan with them which I took out this time last year for around £3000. I saw the FSA annoucement re GE Money and thought I would look into this, as I believe that I was told that no PPI equalled no loan! Checked my agreement and PPI of £1200 has been added on. I therefore rang local Welcome Office about this and spoke to a guy who said, yes I can cancel but they will get a reimbursement figure from Norwich Union and this will just be knocked off what I owe them, ie not reducing my payments in anyway. Now I believe that it shouldn't have been there in the first place. I didn't need it, I am covered through my job, and frankly it wouldn't cover me anyway (I am pregnant and it does not cover maternity leave), why I am therefore paying for it! So I have written a letter to them asking them to refund the balance and either amend my payments accoridngly or let me have an up to date balance which shows that this has been refunded! I have also stated I want all interest payable on the £1200 from when I took out the loan to date, which they have charged at the loan rate (some extortionate amount). I have also said I will serve a SAR on Norwich union for the info they hold on file about my loan which would reveal to me the "true cost" of the insurance! Which I believe is about 80% of what they have charged me! Now the interesting thing here is I actually deal with these people at welcome from a business point of view as I am a Solicitor in the local area, and they are very familiar with me, and me with them. I am interested to see if this has any affect on how they deal with this, as when I spoke to one of the guys I did say I would consider legal action, etc etc, and he said they would "want to avoid that" at all costs! Basically one of the other Solicitors here took them to Court and won! Huh. We shall see. So that's my story. Will let you know how I get on, and if my case can help someone else, then hope me sharing my story is worth it!

Sorry haven't updated sooner! Well I turned up at Court armed with all my paperwork etc, and after waiting 30 minutes was called in. The Claimants Solicitor, put forward the details of claim, and I explained my defence and the documents which I provided. The Judge said as far as he could see there was no claim as it was obvious from the time of agreement that I had paid over £4075 which was the amount stated in the clause for me to be able to terminate and not pay anthing further. He stood the matter down and asked the Solicitor to obtain payment details from his client immediately. Solicitor went and did this and we went back in. I had paid over this amount, and the Judge said he clearly did not see under what basis they were claiming as it seemed evident I had acted in accordance with the Agreement. Solicitor said that he understood his client had terminated agreement not me, however he could not produce any evidence to prove this. Therefore claim relating to loan thrown out and no judgement made. However, with regards to PPI insurance, the Judge said that as the Contract states optional Direct Auto may have a claim. I quoted recent FSA ruling against G E Money and said I would defend any claim on the basis of the insurance being missold. He said he would therefore refer the PPI part being approximately £1000 to a small claims court and then I can provide a defence if I wish, but as far as he was concerned the matter was concluded. So just the PPI part to fight now, but the loan part being £5000 I won! Just goes to show, we can take on this shoddy company!

Hi Just to let you know I am attending a Direction Hearing on Monday at my Local County Court. I have obtained advice from a colleague who has set out all the relevant documents, which I need to take with me, and has given me a bit of background info on the Judge, who apparently is a very reasonable man who's daughter has just had a baby (I will be sticking the pregnancy bump out, hoping for the sympathy vote!) My colleague advised that they have only set 10 minutes aside for the case, and she thinks that this is in my favour, and it may be that they will throw it out straight away. She said my arguments in defence completely stand up, and they will have to produce documents and provide evidence to argue my defence points! We will wait and see! Am a bit nervous, but I am calm and cool-headed and have all the facts in front of me! I am also quite good at speaking, so hopefully I will be able to get my points across and succeed in stopping this shower of S***E ripping me off! Will let you know how I get on! Claire x

Sorry I can't help here, but am watching with interest. I too was being chased by Robinson Wray re an account with Next, when I asked for the same thing, they sold it onto another Company. I have therefore now asked this other company for the signed agreement - and haven't heard from them for months! Think there may be a loop hole with Next Directory, just wish I knew exactly what it was!

Did wonder that myself. Have not sent letter yet, so think I will amend it to return the cheuqe, just to be on the safe side! Thanks

Update. Court forms taken to Local Court on 1st Feb. Letter dated 1st February received from Yorkshire Bank with cheque for 50% of charges being £775. Have declined the same and advised that Court Action was commenced, however slightly delayed being issued due to Industrial Action. Have stated I will retain cheque until such time as full and final settlement is made, however this will not be encashed, and is not accepted as full and final settlement. Advised their offer is declined and am now only willing to deal with through Court Procedures. Trust this is all ok? Claire

Just to update. Usual fob off response received from YB yesterday. LBA sent today. 14 days and counting.

Can completely relate to the leaking ceiling as I had water pouring through mine Christmas Day!!! I presume you rent a Leasehold Flat and your Landlord is either the owner of the Freehold of the whole building (ie person solely responsible)? The reason this could be of importance as it is worth finding out who is responsible for the insurance for the whole building. You will obviously have insurance in place for your flat, but if it is a structural default from the flat above the likelihood is that the owner of the building would be solely responsible ie your Landlord. Does your tenancy agreement make any references to you having to insure, or as to what parts form part of the extent of the property. This may seem daft but if ceilings and floors are not specifically listed they can still be classed as the responsibility of the Landlord, hence they would have to rectify. I know the Landlord being away will not be much use, but as a Property Lawyer, I would recommend that both yourself and the owner of the flat above send a "Notice" to the Landlord pointing out the problem to each individual property and stating that they have 14 days to inspect and rectify the problem. Failure to do so will result in you arranging for the relevant work to be carried out with all invoices to be forwarded to the Landlord. I am sure the Tenancy Agreement will cover the fact that the Landlord is responsible for structural faults, which a leak from a flat above affecting your ceiling would be classed as. Hope you get it sorted out! Claire

John, ensure that you get a "furnished" assured shorthold tenancy agreement (6 months tenancy) as the conditions vary slightly if you are leaving items at the property. Would also recommend that you make a comprehensive list of the items which are being left, whether in the attic or not. This then needs to be attached to the Agreement and you all sign to say the list is correct. Claire

For them to register a legal charge you would have to sign and consent to the Legal Charge form. They may register what's called a caution against your property or a restriction, neither of which require your consent. These prevent you from selling your property or remortgaging without them being notified and their consent being obtained. In order for them to register anything against your house they have to get whats called a "priority search". You can stall this if you can lodge a priority before them. If you are aware of the Title Number for your house you could do the search yourself, it is called an OS1 search, and they last for 40 days (i think). This way they would not be able to register anything. This may give you some time to bargain and reach an agreement with them. It also tells them you know what you are doing! Hope that helps and good luck

Well, to be honest this has taken a back seat, as I found out I was pregnant, was ill in hospital and had a lenghty issue with YCC which had to take priority. Anyway am back on with tackling YB and am starting again as such, as I can't remember where exactly I got up to and decided fresh correspondence would be best. So Initial Approach sent today. Visa £359 Current Account £1191. I know this is not going to be easy reading evreyone else's post, but am in for the long haul here!

No, they wouldn't give me it! The only messages I got was from a girl called Natalie who I could tell was not a Solicitor and was more like an assistant. She could not answer any of my questions and I think I confused her with my legal jargon! I know they are registered with Law Society and are within Top 100 Law Firms, but if I provide the service they have given me, I would be on my way out the door by now! Am not happy to part with that kind of money unless I know on what terms they are planning to defend me.