Thanks DJ for your reply, I do appreciate it!

Hi and thanks for taking the time to read this. I could do with some advice. I instructed a company to reclaim ppi insurance from WFS. On Sept 5, I received their final offer of compensation along with their offer to reduce the monthly payment for the lifetime of the loan. I took out the initial loan in 2006 and in 2009 after a battle with them, dealt with their local office who reduced the monthly payment in line with what i can afford. I was also told at that meeting they couldn't sell me any more PPI. To cut a long story short, I contact WFS after their 10 day deadline (after receiving my signed acceptance confirmatio) to be told that actually I wasn't getting payment in that 10 day window, but would have to wait an additional 21 days whilst they cancelled and rebooked my loan, with payment being a further 10 days from accepting that. I got annoyed and spoke with one of their managers. I told them that as I was in credit (how?) I was going to suspend my DD instruction until this was resolved. She didn't advise against that in fact said she would do the same. I was contacted today by WFS locally who told me I hadn't paid my loan. I patiently explained (with him talking all over me) what the situation was, what I'd done, who I spoke to etc etc. He then started shouting at me that my loan couldn't be rebooked, I didn't have insurance and that he would instruct them to retract the offer as I wasnt entitled to any compensation and i was in arrears to the tune of £327! I'd defaulted on a secured loan and they would take further action against me now. I now don't know what to think and am really concerned! Your comments will all appreciated. Thanks

No - I've asked them to provide all the documents relating to all the insurances I'm paying for....I'm still waiting ....they don't seem to be in any hurry.

i've tried speaking with WF again - they called me on Friday harrassing me and told me that if I didn't meet my payment commitment they'd start court action against me to repossess my home. I again offered to pay what i could afford this month but was told it was too late. what I should expect next? I'm not trying to avoid paying what i borrowed I just can't pay the full amount currently - my partner has just lost his job so we're trying to survive on one wage coming in. thank you.

i'll try the court manager's office tomorrow - thanks for the advice. to be honest payplan just told me i had to complete the forms and pay the money to the court....they advised that was the only option available to me

thank you - payplan helped me complete the court forms once i'd received them and the judgement was for me to pay the reduced amount which i'm currently doing - it was the same as i'd been paying (the court didn't award them any more money as I'd submitted my income & expenditure). the judgement says by monthly installments and their argument is that i didn't pay for November - i did but late and they've not allocated the payment correctly at their end (howard cohen) which i think is why they're threatening to send the bailiffs in. i've got the N245 form to complete which i hope to do tonight and take to the court tomorrow/wednesday. Payplan told me to hold off filling in the form to see what action they'd take next - they're waiting on a response from howard cohen - however the lady on the phone today insinuated that i'd be seeing the bailiffs soon!

hi and thanks for your reply. yes - i have all the original paperwork relating to the loan which when all added up was for £20+k and not the £15k i originally applied for. i'll read through it all again about claiming on the insurance for loss of earnings. thanks

hello i've been reading the horror stories about welcome finance. i took out a loan with them 2.5 years ago for what I thought was 15k including all the insurances. in june 08 i was made redundant but was able to maintain payments via redundancy pay. i started a new job in oct 08 but on significantly less money (9k) but closer to home. i had to cancel the direct debit for my loan in november as i couldn't afford the monthly repayment. i wrote countless letters, made numerous phone calls and sent emails....i had a call from my supposed account manager 2 weeks ago saying that he hadn't seen any correspondence and couldn't reduce my payments because i was in arrears. i asked for their bank details so i could make payments but less than i was supposed to pay. the loan is a secured loan on my home (i was desperate at the time i took it out) and tried to explain that if i lose my home there's nothing for them...he kept saying i had to reinstate my direct debit and pay what i owed...i just don't know what to do next and i'm scared of what they'll do next....thanks for reading

please bear with me....this is my first time posting on a website but I really need some advice. in 2007 i started a debt management plan with payplan. a few weeks ago i received through the post a pre-bailiff visit card from cl finance relating to a laura ashley store card debt...i've been paying this since 07 .... anyway they took me to court and issued a ccj against me. I was made redundant in june 08 but managed to keep up the payments to payplan. in november last year my payment was missing and now CL finance have said i've defaulted...i paid them 2 weeks late and they accepted the payment, they've also accepted dec and jan payments. when i called this lady from cl finance she told me i'd have to pay £122 by 23rd january. i called payplan and they advised me to complete a N245 form. the lady's called again today as i've passed the deadline and my warrant has expired (whatever that means). i told her what i'd been advised to do. i'm also waiting to hear back from howard cohen what their intentions are either send in the bailiffs or accept that i did pay albeit late whilst i appreciate its my debt and my mess i just feel in limbo and and hate all this constant hassle with creditors.......any advice would be appreciated. thank you:-)

thank you for your help...i'll do that:-)

i just had to post a reply...i'm also experiencing problems with cl finance for a laura ashley account. i had the pre-bailiff card posted to me with a deadline to pay £122 by last week in order for me to continue making reduced payments. i have a debt management plan with payplan that's been active since july 07 and i'm still having all sort of problems with creditors. GE money took me to court and i've a ccj against me. In November i was late with a payment and that's where it's all started. I've spoken to the lady today who's advised my warrant has run out and the bailiffs will be calling. I've tried getting help from payplan but just feel like they leave it all up to me - I know its my debt but I just need advice. I've now to submit an N245 form to the court in the hope the bailiffs don't come knocking while i wait to see if Howard Cohen/CL Finance decide to allocate my late payment and realise I was just late not defaulting on paying them. apologies if this rambles...it's my first time posting on a site! thanks for any advice you could share with me.