Welcome Dodgy Finance Loan and Default

[SillyEgg1]

Hi,

 

I took a loan with (Un)Welcome Finance in 2006. In order to do their prelim checks (which they did after giving me the money) they called my referees and told them information that is data protected. I disputed the account and then agreed to payments of £20.00 per month until dispute resolved. Dispute never resolved. I then requested a copy of CCA. No CCA for over a year, so I stopped paying. I have heard nothing from these fools since I was forced to attend the shoddy offices in 2006 to sign the original paperwork.

 

A man in their offices simply asked me to pay £20 per month until dispute settled. They then kept taking £20 per month until I cancelled the card.

 

They have entered a default for the same loan twice in 2010. No letter to me to advise this was their intention.

 

Now a DCA is chasing for payment. What should I do?

[napoleon_dynamite]

First things first... have you got a copy of your credit agreement? If not, sand a CCA request to get one, along with a statement of account. Then post them up (without your personal details, of course).