Welcome Finance Secured Loan

[Boardman81]

Hi Everyone,

 

Took out WF secured loan in 2006,

missed a few payments and

rep came around house a pushed me into taking out new loan to repay the old one.

 

 

He asked for my contracts for the previous loan and I gave them too him.

He never gave me a copy of my new loan agreement

but on checking my credit reference info the old loan had been paid.

I didn't fill in another land registry document with witnesses etc.

 

Years later I requested copies of my CCA but

 

 

WF said they couldn't find them however I still had to pay.

 

 

I disputed the amounts and stopped paying until they sorted it.

 

 

I never made anymore payments and the loan is no longer on my credit file and no contact made for over 6 years.

 

If my second loan paid of my first loan shouldn't I have had to sign for a new land registry charge?

 

 

I have checked recently and the charge is still present for the first loan and no mention of the second.

 

I have zero paper work as the WF guy took it with him. How do I get this charge removed, is it even legal?

 

Thanks in advance.

[dx100uk]

send an sar to welcome finance

 

 

from that you should get evidence that the loan is paid off

send that to the land registry people

they will remove it

 

 

dx

[dx100uk]

you might also find you have heeps of PPI rolled over to reclaim too.

 

 

dx

[dx100uk]

I've also moved you to the welcome finance forum

 

 

have a read of the tricks they get up to.

 

 

dx