Welcome Finance Advice

[s4ddys]

Hi All,

 

Could someone please provide me with some advice?

 

I had a loan with Welcome last year and came into some difficulty in paying. To cut a long story short I recieved court papers, and defended these, saying I thought the charges were unfair and unlawful and they tried to claim over £3000, nut I said I believed the account to be nearer £1200 including interest. Welcome said they did not agree, but then unexpectedly withdrew the claim from the courts, claiming nothing.

 

I have heard nothing since until I got a statement yesterday saying I owed over £8000 with all the charges added over the past year!:-x

 

I am now in utter panic and unsure what to do.

 

Could anyone provide any advice please???

 

thanks

 

s4ddy

[dx100uk]

it's a loan...reclaim the charges + interest on them.

 

do some reading here, you will be amazed at what stunts they pull.

 

welcome are the pits

 

dx

[postggj]

you said it dx

 

times are hard for cattles and i feel more welcome threads are in the pipe line

 

s4ddys

 

what is it you are after

 

have you done a cca and sar yet

[s4ddys]

Well I wasnt sure what to do next, they have already tried to take me to court which I defended then they withdrew so I am unsure what they plan to do next.

 

Could they take me to court again?

[postggj]

Was It Howard Cohen Solicitors By Chance

 

Right Back To Biz

 

As They Have Already Taken You To Court, To Do So Again, They Would Need The Permission Of The Court.

 

Very Unlikly As They Had There Chance And Cant Have Two Bites At The Apple.

 

I Take It You Are Looking To Clean Up Your Credit File.

 

To Do That We Need All The Info Welcome Have On You,

You Need To Send An Sar To Compliance.

 

We Can Then Go Through Every Thing And Get Those Charges Refunded

 

May I Ask When You Made The Last Payment And Have You Ever Had A Default Notice

[s4ddys]

Last payment was approximately 18 months ago, defaulted approximately 12 months ago.

 

Why would I need to reclaim the charges if they cannot enforce it anyway? Sorry, I am not very good at this type of thing!

[postggj]

Its Ok

 

There Are Things You Will Learn

 

I Take It You Dont Want Your Credit File Screwed For The Next Six Years

 

Its Quite Easy To Spot Welcome Doing Naughty Things If You Know What You Are Looking For.

 

You Then Use That Against Them,

 

We All Know Welcomes Charges Dont Hold Up

 

A Report To The Regulatory Bodies Or Shall We Say

 

Default Removel

 

Get The Idea

[s4ddys]

I think so, will do an SAR then come back from there.

 

Thanks for your help in the meantime.

 

s4ddy

[andie_303]

I hope you applied for wasted costs after they withdrew their claim!