victoria please note i was merely replying to poster .if i wanted to start a thread i would of thanks

hi i have had the same sort of letter from the names u mention,there is no address on the letter to reply to just a phone number and a email address.i think my debt may have been split into 2 different companies as well

thanks for this info

does anyone know if welcome finance has gone into administration, thanks

hope everyone who have had or are still having problems with the crooks are getting sorted regards nasrcity

hi all well just to update and thank everyone for the help im now all settled in a council house and feeling so much better its all over. if i had known what i know now i would never have worried my head off like i did . free from all the stress. have the council welfare officer to help and good luck to u sonic i just read u are happier now as well thank u all once again

hi all 1st trading standards have now writen to them so far phone calls have stopped but i sent by recordered delivery and have proof they have recieved it afor a request for a cca now there time limit is up so i think im right in sending a default to them now . if so where can i find a template for a default can anyone advise

hi sonic im in courton 9th june . i have filled in my pappers and sent them back i have also registered with the local council as my solicotor reckons cos i cant show i can pay anythink back the judge will most likey award in kensington favour but when the council woam come to see me last week the person b4 me was alsop with kensington she said the more i hear abt this company the more i dislike them she told me she has 20 cases all with mortgages with this pratts. oi dont blame u not paying them this month is this the first time that they have taken u to court perhpas we could compere with what they sned and say to us be interesting anyway good luck if u need to talk please do it does help and they are so good on here with there support good luck nasrcity

also have another visit to see solictor on 7th may to see what my options will be

hi annaya thanks u give me some good idea to go on thanks for that

yes my solictor will be there i will just be glad when its all over do u know how long after the hearing things happen regards nasrcity

just to let u all know i have a hearing date for 9th june . so we will see what happens then regards nasrcity

hi annya i dont have any money left in the house time that kensington have finished with it. and no i cant make any payments on the mortgage due to lack of income so its a council house for us but really im not worried as long as we have a roof over our head and my illness does become any worse . at the end of the day i just want to try and get a near to normal life as poss the house is only bricks and mortar if u u can see what im getting at regards nasrcity

just received a letter from there solictors today stating possession proceedings have commenced with a statement of account regards nasrcity

hi annaya thanks for ur reply . i spoke with my solictor last week and she told me she has writen to the council.stating she not will accept i am intentionally homless due to my illness . i have now gained a doctors letter stating what my illness is have given this to the solictor and she said they have no choice but to rehouse me under the condition i have. and yes i have 2 years bank statements showing i could pay the mortgage.even for the 1 st months of my illness cos my husband still had to work . which we had to pay a care agency to come in 3 times a day while my husband was working .under all the pressure of rent rises for the business and me being ill he had to close the business down . and from then onwards we couldnt pay the mortgage . we went on income support and recieved a letter stating . there rulings are they cant pay any interest on the mortgage untill i have bben claiming income support for 39 weeks {sep08 ] which will be too late for me . nasrcity