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Hi All,
I am writing to see if anyone can advise me what is best to do in relation to an old debt I had a while ago.
I got a personal loan from Welcome Financial Services in 2004.
In 2006 I declared myself bankrupt and this loan was included in the bankruptcy. Welcome Financial are still chasing me for this money, even though I have written to them a number of times, I have written to a debt collectors collecting on their behalf (and the debt collectors have agreed that there is no debt to pay, and have written back to me that they have advised Welcome of this). I have gone into their local branch and have given the branch manager a copy of my bankruptcy notice and received a signature on a typed receipt from both the manager and another member of staff agreeing that they have received it - and confirmed my identity. I have received a letter from Welcome that requests a copy of the bankruptcy - sent to my previous address, but when I write back to them, they never receive my letters! Funny isn't it???
Welcome Financial Services also hold an entry on my credit file which shows this money still outstanding, and experian refuse to remove or edit it as Welcome are telling them it is correct. I have written to the ICO and they want proof that the debt was included in the bankruptcy. I have been in touch with the official receiver, who tell me that this may cost me to get this proof.
I have recently received a letter from another debt collection agency (Howard Cohen) advising they are now chasing the debt. My reply was a hand written letter - "Please advise which court to attend".
Where do I go from here?
Many Thanks for your help in advance;
Ste
Hi Postggj,
I had discharge exactly 12 months from the date of the bankruptcy.
It was not something I wanted to do but had so many problems before this that I took legal advice from a number of sources before going ahead with it. Bankruptcy date was April 2006, discharge date was April 2007.
Many Thanks,
Ste
mr cohen is welcomes lap dog
his co is a solicitors practice
he gives the profession a bad name like a mr carter
if it was me i would ignore
let him waste his money and put in a claim
hit him for costs then as the claim is vexatiouse and request from the judge an order for the destruction of all data ref welcome
It is just frustrating that they have still after all this time got an outstanding debt showing on my credit files - this is one of the very few items left to deal with, and this seems to be stopping me getting any regular credit - bank accounts / cards etc.
I have decided to just let them take me to court, but can I request the judge to order a change to my credit file? Do I need a copy of the statement of affairs - and if so, is there a way to get hold of this which is not likely to cost a fortune?
Many Thanks,
Ste
But Does The Bankrupcy Stay On Your File For Six Years Even Though Discharged
Yes, it will show for 6 years from the initial order date.
All monies owed should show (if they were already at default) as a default, but also as settled.
The Welcome account shows as an outstanding balance of over £5k.
Thanks.
This Is Going To Be A Bitter Pill To Swollow Ime Afraid
Even Though The Bankrupcy Has Been Discharged.
It Will Still Stay On Your Credit File For Six Years
Thanks - I found that out before I went to court - I made sure I knew the consequences well in advance and got advice from a number of sources regarding my debts.
The only issue I now have is that Welcome are still chasing and refusing to change my credit files!
There is one ray of light at the end of the tunnel - in October last year I managed to get a contract mobile which I am religeously paying each month, and this will be boosting my credit file every month.
This has gotta be a bonus???
Ste
Thanks - I will try writing again - I have tried Capital 1 but have been turned down a few times over the last few yrs! The only offer I have had was from a dodgy loan broker company who want a £55 payment up front!
I might not be the brightest bulb in the pack but I'm not that dim!
Ste
Wentworth was the one! Funny that - I didn't even mention the name but you knew! That tallies up with about 70 per cent of the research that I did today - when they phone me back tomorrow they will be getting told to remove me from their systems!
I have tried Vanquish by the way. At the moment I only have pre paid cards - and only one of them has a credit scoring system.
Hi All,
It has been a while since I posted on this, so a bit of an update to assist anyone else who may find this useful.....
I got in touch with the information comissioners office and asked them what to do in this case, they told me to get hold of a copy of my statement of affairs from the insolvency service or the local county court where the bankruptcy was declared, then forward this to them.
This would prove that the debt was included in the bankruptcy and they should then instruct the credit reference agencies to amend my credit file to show that the debt is still at default, but also satisfied.
I am waiting for my statement of affairs which should come at some point this week.
I will write at some point (hopefully very soon) with an outcome to the case!
It has been a nightmare going bankrupt, and I would not recommend it and if there was any other way at the time I would have taken it; but at the time there was no other option - this was confirmed with a number of debt management companies and also with citizens advice bureaux.
Please do not think this is an easy way out!
Ste
Welcome Financial & Credit reference agencies
collecting on their behalf (and the debt collectors have agreed that there is no debt to pay, and have written back to me that they have advised Welcome of this). I have gone into their local branch and have given the branch manager a copy of my bankruptcy notice and received a signature
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Re: Welcome Financial & Credit reference agencies
Originally Posted by postggj
Re: Welcome Financial & Credit reference agencies
