Hi james Have just seen your post. Hope its not too late. My partner has a similar problem and the first we knew about it was when the claim was transferred to Bristol. He had bought a car which was £5000ish through Welcome Finance at the time he was told the total cost was £7500ish. He paid this back and cancelled the direct debit. He heard nothing for 5 years until the letter came from Bristol Courts a CCJ had been entered for £9500ish. I tried to get in touch with Welcomes solicitors, Hegartys, but they would not take my calls or answer my email. I believe they no longer act for Welcome. I did file a N244 and Bristol Court has been very helpful. They issued a court order demanding that all relevant info inc. the claim be sent to my partner. This arrived by the due date with a new demand from IND, who incidently have dropped the amount of the claim to £7500ish. I would have thought that by virtue of the fact that you have tried to make an arrangement the Judge would look on it quite favourably, but you do need to 'badger' the court to get your case pushed up the queue. Having just received the paperwork from IND this evening I am about to write another letter to the court as it has numerous insurances added on that my partner was not aware of. Plus hundreds of pounds of spurious fees. Not sure if this is any help, but would definately suggest you file the N244

Have printed off the N244, thanks and visited the trust register which just states 'unsatisfied judgement', should I try to get a copy of the original agreement to see if they added on PPI and also a statement of the account to see if this judgement includes any spurious charges, once again thank you

Hi Andy The Notice of Transfer was literally 2 lines detailing the claimant and my partner, no further info, the only reason I knew it came from Bristol County Court was the post indicia on the envelope. Shadow suggested I have a look at the trust register so will do that. You suggest I propose an instalment plan are you saying that he has no recourse and this has to be paid, that would mean he is repaying a £5000 loan with £18000????

Hi Shadow, thanks for getting back to me There are no court paper just a 2 line 'Notice of Transfer of Proceedings' between Welcome Finance and my partner, he no longer has anyoriginal paperwork, due to having moved numerous times, so I am working 'blind' or trying to

Thank you so much

Hi I don't know if anyone can help with this one, but my partner has just received a 'Notice of Transfer of Proceedings' from Bristol County Court, it has been transferred from Northampton and regards Welcome Finance. This is the 1st correspondence he has received regarding Welcome in 4 years. He bought a car in 2005 for £5000 has repaid them approx £8000, admitidly he stopped payments in 2008, he was out of work and foolishly rather than contact them decided they had had more than enough and stopped paying. I was not with him then. This morning he has received a letter from a debt solution company informing him that a CCJ for £9669 is outstanding. I contacted Bristol Courts who gave me the address of the solicitors acting for Welcome, I left a message with them 2 days ago, but they have not returned my call. I am not trying to get out of paying the debt (just for the sake of it) but am concerned as to whether he needs to pay it and how we get it overturned/written off as I think they have had more than enough already. Many thanks