ok long winded sorry!
the loan i took out was in july 2003, i paid for a few months moved house and did not pay them again until appx 06/04, i then started to pay them again £40 per month until appx arch 2007 at which point they stopped taking the direct debits from my bank account.
i presumed i had paid it off.
appx a month or two later i started getting letters from lewis debt recovery stating that i still owed a large sum of money appx £1600, being naieve and knowing that the loan had a huge apr on it i set up another direct debit and continued to pay them.
roll on nov 2009 after looking at various forums and learning about enenforcibility i sent a letter to lewis debt recovery requesting the cca etc
what i recieved was a personal loan agreement but....
personal details of the customer stated my maiden name. i married in april 2004 three months before this so called loan agreement was written up?
it was dated 10/07/2004 a whole year after i took the loan out.
it had a signature on it that was not mine.
the amount on the loan was for £2000,
the loan i took out in 2003 was for appx £900.
looking on my credit report there are 2 entrys for welcome finance first one ended and second one started on the same day.
so looking into it i have no knowledge of this loan only the one i applied for in 2003.
had i not been so stupid i would have realised this earlier.
to date i have paid £2936 to welcome finance and lewis debt recovery.
so how do i get my own back on them? [EDIT]