Hi Guys, Im just looking for a bit of advice. I took out a loan with welcome when I was a student and I've been paying it off for the last wee while. My credit rating was pretty bad at the time but , never missed a payment etc. Just had a call from them today and the bloke basically suggested I go get a loan elsewhere at a much lower APR to clear my debt. It just struck me as odd that they would do this and reading on this site I can see the company is having trouble. Im not sure how things work when a company like this winds up - Are they just trying to get me to settle before they have to write it off? Is it that my loan agreement is invalid (as some people talked about above) and I should try and get it voided? Whats my next move?? Thanks in anticipation of any help!