Just in the process of writing a letter thanks very much. Also, in the past when we've struggled financially, myself and my partner have resorted to pay day loans, which might I add were always paid back on time, sometimes via rollover but mostly just outright. These date back to 2010/2011, however when checking my credit file, quick quid have all of a sudden added 7 new pay day loan accounts to my file, all dating back to 2010/2011, all green and satisfied... but why now??? Can they do that so late in the day and is there any way of getting these removed so I can disassociate myself from such companies now I am in a much more stable position financially

it never got to default so when i spoke to credit expert they said it means deliquent (it has a red exclamation mark at side of account) this means payments are anything from 1-5 months late but can be just as damaging

I had a provident door stop loan, which I fell behind with by approx £20/week.. After speaking with my agent, I was assured I could catch up gradually and it would be fine i.e. no damage to credit etc.. etc.. (stupidly, never got this in writing). I was offered another loan from my agent, which I took and used to pay off the existing one, which was in arears and was left with minimal cash, which i was grateful of at the time. I kept up to date (and this loan was cleared back in 2013). However, i have checked my file and the original loan, which was in arrears is showing as a deliquent account. I rang provodent and they say there is nothing they can do. Does anyone have any helpful tips or ways to suggest how I could get this information removed?? Thanks in advance

hi wannabe, any chance you can take a look at this please

thanks guys, i'm at the stage where i feel like giving up, i think all i'm asking for here is some positivity really to keep me going, i'd love to let welcome take me to court, but will that ever happen???

you guys seem to know an awful lot from reading your post on here, i'm extremely interested in the unfair section, i just wondered if any of you would take a quick look at my thread and see if i could claim unfair lending too.... basically, i lent £5000 total, have paid £8200 approx back and they still say i owe £13500 approx on a secured loan, this is due to missold PPI/insurances and extornitae interest and charges!!!! any help would be appreciated thanks in advance guys p.s. does anyone know what happened at supreme court 7th July????

i think i'm gonna have one last go with FOS tomoro, perhaps maybe ask for a new case officer??? she said originally that i need to prove welcome have affected my financial position as it is today, i've done a lengthy letter breaking down my orginal loan of £3000 and £2000 (total £5000) without PPI, insurances and unlawful charges.I have predicted that without these added, i would only have ever owed welcome £8300 approx, which is what they have more or less had from me. loan 3 and 4 were simply rewrites (no cash ever received), basically they are just a total of interest upon interest upon and interest, oh and a few charges for missed payment etc.... i am not trying to dodge my loan, as i feel i have paid it and am no way paying another £14000!!!!!!! they have had there money back plus interest fair and square... i will be however be referring to the judge waksman ruling re: unenforceability as i feel i have a good case there.... he clearly states it is imperitive that the creditor provides all correct material (correct names, addresses at time of signing) on resconstitued loan agreements, and the two i have are totally wrong with wrong name on, HOW DUMB OF WELCOME!!!!! i'll ring fos tomoro and let you know how i get on, feel tonnes better now i've sort of got my head around it and will hopefully sleep a bit better tonight

can anyone else check the above figures out??

i've done the figures as you said above and i also get it back to 47%, however my agreement says 38.93%, so this is wrong?????

they should be able to reconstruct it from your contractual monthly payment, it's a bit complicated but if they look at your so called payments and term of loan as at today's date, they should be able to work it back to what the figures would have been when you apparently signed... i'm concerned because they have given me two different reconstituted copies.... like i've said above only pennies out from each other, but the main thing being one has no name on yet the other has the wrong name on, so this is clearly or should i say THESE are clearly not true and honest copies!!!!!!!!!

thanks for that, i'll have a go later

i totally agree beyond... are you any good with the APR % figures by any chance??? i have put the figures for all 4 loans on post 83 of this thread and just wondered if they look right, i think loan number 1 is out by £300 approx and just need this clarifying, could also do with the others checking aswell, i'm no good with that stuff....

i'm not trying to wriggle out of my debt as i truly believe i have paid them, they have had their £5000 back plus £3000 on top and all the stress they have put me through etc.. with their bullying tactics, i would say they should call it a day now, NOT say i still owe £14000 for christs sake!!!! and they can't supply me with an HONEST copy so these are all factors for my account to be in dispute... If someone could please please please take a look at my figures and just say if they are correct or not that would be great

my understanding is that a COPY can be used to enforce the debt... if they can't supply a copy or original, then they can;t enforce the debt...

still very interesting, some of the quotes here will help in my letter to welcome, i.e. copy MUST have the correct name/address as it had at the time, also MUST be an honest copy (i have two different ones)...