Welcome Car Finance help needed

[eurochamp30]

I have a Welcome Car Finance debt

 

 

got a car off them back in 2008 lost my job and missed a couple of payments

rang the office and agreed to pay extra to clear my late payments.

2 months after that they sent 2 baliffs round and repossessed my car,

 

 

first off never received court summons or anything in writing and never received default notice on credit file.

 

 

out of protest I have never made any payment or spoke to the since,

I have read up that they like to do things unlawfully and that I could possibly get this debt written off.

 

 

please help with advice and letter templates.

 

 

my only worry is that they have sold the debt to a company called MKDP and are now looking to proceed to make a claim for CCJ

 

 

I owe £5265.72p

 

 

Checked my credit file today and there are still not defaults from welcome or MKDP

need help with letter templates.

 

 

is there anything I can do

 

 

I cant afford to have a CCJ that big

 

 

cant Afford to pay them as only on min wage.

 

Help me please

[obiter dictum]

The important thing is when you last made a payment to welcome or any other company representing welcome

[eurochamp30]

Years ago. Prob about 5-6 years ago

[obiter dictum]

If over six years it will be statute barred

 

when was the last time you checked your credit file as that will have the date last payment made on it

[dx100uk]

get an sar off to welcome finance

 

get all the info

unless you already have the agreement & all the statements

Or

I would suspect that the guys at your door were not bailiffs

but no powers repo guys

 

if welcome had gotten a CCj or an order of return of goods

they'd have had you in court at the drop of a hat.

 

like everything welcome

it always stinks

 

but you need the info first

 

as for MKDP read the letter properly

Bett it doesnt say WILL anywhere

 

dx

[a foster]

Scrutinise your loan agreement; mine had discrepancies, it was from 2002 - paid off now but said Royal Sun Alliance sold me Mechanical Breakdown, shortfall etc - contacted RSa they confirmed in writing twice that they never sold this policy; my question is, where did the money go? I've given Welcome 5 days to reply....

[theoldrouge]

SAR to welcome, CCA request to MKDP, headed, I do not acknowledge any debt to yourselves, or to anyone you claim to represent

 

Mark payment as fee in payment of statutory request only (£1)