HELP ! a few years ago i got a small loan for £500 from a company called Weldcome Finance, I needed it to pay some bills and had no other choice. The deal was i would pay back £40 a month, and some guy called "Gavin" would pick up the cash every other friday. a few months went by, I probably paid back at least £250. when eventually Gavin stopped turning up and i recieved no phone calls or letters or anything from the loan company.... 1 year later they decided to ring me and accuse me of fraud, telling me I oweded them £800, and if i didnt pay, then they would take me to court. I told the person on the phone that if they put everything in writing and posted it to me i would take a look over it with a solicitor and try pay the whole thing off in one go... they wouldnt do this !! So i said, when you write me a letter I will pay you !!!!! 4 years later.... I have a letter from HFO Services claiming they have bought my dept and that i owe them £1036. Theres no way i can really pay this. What will happen though if i dont ? I know i already have a CCJ for about £120, i dont want more =( made a bit of a mistake yesterday tho. i rang them............... I explained that the company i originally got the loan with had agreed to pick up cash every 2 weeks, but had stopped doing so after a while.. that they didnt even ring me for 12 months... And when they did they refused to put it all in writing. some monkey on the end of the line made some minor threats about how i must pay them or there could be trouble. i explained that I would be sending a CCA form, and i wanted Proof of this before i would pay a penny. I offerd to settle the account for £500 but the monkey said "no chance, your gonna have to pay us more than that" I asked if he was threatening me... - there was an aqward silence "Looks like youve got a problem then" he said, I laughed, "only after after several pints, but my girlfriend, she understands. I mean it happens to you as well right ?" More aqward silence.. Then the monkey grunted something like, "Well you send the form, and then we will proove it. then you can pay us" "whats your mobile phone number" he asked. I thought for a second.... The call ended...... So the plot begins. - Tell me tho, whats the worst that can happen ? They want a £1000.. i say "hell no" and then they do what exacttly ? theres no way ill pay them £1000. althoguh id settle for £500 if it ment the dept got wiped out, i mean hell i could pay that over a few months easily. can anyone post me the CCA template please ? - I cannot open files due to Security reasons on the company PC. Anyway thankyou everyone for your help so far.. Matthew

yeh i will do no probs, made a bit of a mistake yesterday tho. i rang them............... some monkey on the end of the line made some minor threats about how i must pay them or there could be trouble. i explained that I would be sending a CCA form, and i wanted Proof of this before i would pay a penny. I offerd t osettle the account for £500 but the monkey said no chance, your gonna have to pay us more than that or you could end up in trouble. I asked if he was threatening me ? - there was an aqward silence "Looks like youve got a problem then" he said, I laughed, "only after after several pints, but my girlfriend, she understands. I mean it happens to you as well right ?" More aqward silence..Then the monkey grunted something like, "Well you send the form, and then we will proove it. then you can pay us" "whats your mobile phone number" he asked. I thought for a second.... The call ended......

HELP ! a few years ago i got a small loan for £500 from a company called Weldcome Finance, I needed it to pay some bills and had no other choice. The deal was i would pay back £40 a month, and some guy called "Gavin" would pick up the cash every last friday off the month. a few months went by, I probably paid back at least £250. when eventually Gavin stoipped turning up and i recieved no phone calls or letters or anything from the loan company.... 1 year later they decided to ring me and accuse me of fraud, telling me I oweded them money and if i didnt pay, then they would take me to court. I told the person on the phone that if they put everything in writing and posted it to me i would take a look over it and try pay the whole thing off in one go... they wouldnt do this !! So i said, when you write me a letter I will pay you !!!!! 4 years later.... I have a letter from HFO Services claiming they have bought my dept and that i owe them £1036. Theres no way i can really pay this. What will happen though if i dont ? I know i already have a CCJ for about £120, i dont want more =( So yeh any help and advice would be very greatfull thankyou. Matthew