Thanks, I will do that now.

If I write to them, will they take note of it by next week? Am i not to call this Victor as arranged? Will they give me account details to set up a standing order?

no statements, no. I only got one when I requested it.

No I haven't, to be honest I don't know what they are! I do want to clear this debt as the last four years have just been a constant worry in regards to Welcome Finance. The last time I asked them for a statement I got someone elses. I'm supposed to pay 'Victor' £50 next week and if I don't call him to tell him a time he might just turn up.

Yes the Debt was sold to Lewis Group and 'Victors' business card has Lewis Group on the top. He told me he was the local agent and prefers to take the first payment in person and then the rest I can pay by direct debit. Should I trust this? It seems a bit odd as surely Lewis should have sent me a letter saying someone would be coming round. He has my name, the amount owed and my home phone numbers.

I'm not sure what to do about this 'Victor' he wants me to call him Wednesday of next week to let him know what time to come round and take the money on Thursday. He wanted £100 a month, i've told him I can't afford that so he said £50 is OK.

I have a loan with Welcome Finance which went to a debt collector called Lewis Group. I paid them £85 a month until one month the direct debit failed. I had no contact from them apart from a letter discounting half of the debt for immediate payment which I couldn't afford. About 25 minutes ago the door bell rang and it was a little old man called 'Victor' working on behalf of Lewis asking to set up payment for this. I told him I couldn't pay today and he wants to come and collect payment when i get paid next week. I don't know whether to pay this man or not.