I took the loan out in 2006 for a car. This was the only loan I took out with Welcome. I don't know if PPI is on this account or if any charges are applied I think it may well be worth requesting an SAR. So will give that a try and see what happens.

Have a bit of a problem with the duo above. I had a welcome loan which I defaulted on and was initially passed to Lewis Debt Recovery. I agreed a payment plan with Lewis and set up a standing order which has been going out since 2009, the last payment was made in December. Haven't heard a peep of Lewis since so as far as I was concerned everything was fine. I received a letter from Welcome Finance today notifying me that I have been served under section 87 with a default notice and that they may exercise their rights to enforce collection unless I clear the arrears before 24th January. Can they issue two default notices on the same account as I already have one from 2009 and I have not missed a payment since agreeing a payment plan which I would like to continue. Can someone please advise me the best way to approach this situation with Welcome I would like some advice prior to speaking to them on the phone on Monday.