Should I pay off Welcome Loan, Arvato

[baloodbank]

Hi

 

I defaulted on a Welcome Finance Loan many years back.

I later claimed back the PPI and it reduced the figure I owed to £2051.91.

 

The debt has now been sold on to Arvato financial solutions.

They have not every contacted me for payment even though they have all my details, as I am paying off another loan via them.

The debt has previously appeared on my credit history with noddle but it has now dropped off.

 

I am planning to borrow from a family member an amount that will allow me to pay all my debts, so I can have a clear credit history for 1 year.

I will be paying my family member off over 2 years with interest.

 

The question why should I borrow money of them to pay Arvato if they are not chasing me for payment and if it does not appear on my credit history.

 

Can anyone explain to me why I am not being hounded by Avrato for the debt???

 

Thanks

Dave

[dx100uk]

probably because like most welcome loans

you don't actually owe anything

it was all FEEs and insurances

and most probably unenforceable agreement too..

 

 

you have ofcourse sent a CCA request off on this other debt you are blindly paying them?

 

 

BCW are very lowlife and usually only fleece people on unenforceable debts

because people think they are bailiffs/solicitors

when infact all they are is a powerless dca.

 

 

dx

[Bazooka Boo]

Ignore them, as for getting into more debt to pay off a debt, that is incredibly short sighted.

 

If this is not on your CRF, then ignore them.

 

As DX says, you have demanded they provide proof that this other 'debt' you're paying, is actually owed by you?