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  1. Have had two loans with WFS - one pre 2005, one post 2005. The latter PPI claim was settled as an offset of a claim against me. I agreed not to make claim against WFS. The DJ said he couldn't include the pre-2005 PPI but said I needed to make a separate claim. I did so in April, but received a letter back today saying there is no money left and WFS is going into liquidation soon and they have been advised not to pay claims. I would need to claim against any liquidator when appointed but I am likely to only receive a few pence in the pound. My question is - would it be advisable to take out a county court claim directly against WFS. We are talking about £3000. Are they likely to pay it ? Also. can a claim be made against the insurance provider rather than WFS ? Thanks.
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