thanks for your info it was very helpful, am looking @ getting them to reveal their vitals many thanks

About 2 late payments and abt 3k left to pau

Hi, I have had similiar problems with welcome, I claimed misselling of ppi and they told me I would get it pro ratad at the end of term, the subject access they sent me contained someone elses details and they haven't bothered to reply to any of the 9 letters incluuding default on the cca. It looks like I am not getting anywhere my lat resort is to actually drive to their head office. The capitalisation according to the local branch is interest. Good luck and let us know how u get on with this horrible company.

Hi, I have had similiar problems with welcome, I claimed misselling of ppi and they told me I would get it pro ratad at the end of term, the subject access they sent me contained someone elses details and they haven't bothered to reply to any of the 9 letters incluuding default on the cca. It looks like I am not getting anywhere my lat resort is to actually drive to their head office. The capitalisation according to the local branch is interest. Good luck and let us know how u get on with this horrible company.

The only thing is I work in financial services & missing pmts could have impacts on my job, I could have a disciplinary/dismissal. So I thought taking it further would ensure I don't miss pmts.

Hi guys, I hope you can provide me with useful advice. I took out a loan with welcome finance in december 2006, after reading the threads on this site and thinking it thru, in februaru I requested a subject access and a credit agreement, they replied with a few notes on my file but no agreement, I then sent a default against them & a final letter (including all the ltrs I have sent) I have had nothing from them, and they have continued taking money by direct debit. All letters were sent to the local branch & heads office. Where I now need you guys, is how do start legal action if pursuing unenforceable agreements? Where do I get information on the legal side & what forms do I nees, as the debt is under 3k can I do it under the small claims or its something differeent. Should I keep on sending letters and no bother with court action? Any help will be much appreciated. Many thanks