Thanks for your advice Dx i'll get it off to them!

Surely 4 years of no payments should register a default by now. I'm trying to find a way of doing all of this without having any more of a bad impact on my file, if thats even possible

I thought that because as it stands at the minute it looks on my file like I'm just paying late every month when i haven't made a payment on it since 2008! Is there nothing i can log with Experian like a dispute or investigation to get to investigate it. Not sure if I'm opening up a can of worms if i do that as really they should have defaulted me back in 2008

On experian it just has the date they registered the loan, the debt amount which is around £2700 apparently, and then the number of missed payments which is 6+ and then last updated date which was recent. So it looks like they are still registering the late payments but not defaulting me!

Some of the debt will be what i actually lent but i have no idea how much is actually correct. I think someone came round to my house and i signed the refinance agreement but again its that long ago i can't really remember. I just want to start paying what i actually owe off so i can start to mend my credit file and its actually fair i pay what i lent but not a penny more and i don't want them hounding me or even coming to my house. Do u think the SAR is the best course of action for me to get the ball rolling? R

Thanks for the fast response guys and for the advice! I know getting it off my file won't be easy and that i have to pay it off! They haven't registered a default against it just late payments so presumably if i start to pay it off again after a a year of paying it should start to look better on my file the fact i am paying the debt off as they will register i am paying it won't they? I don't even think i was offered the PPI i was more told to have it but to be honest its going back that far i can't really remember! When i first got it the office i got it from was where 2 friends worked so it wasn't really a standard application then i moved out of the area and had it transferred to another office where they lost my data. Both these offices have now closed so i have no idea where my data even is! Can i claim on the penalty charges and PPI even though i haven't paid all the loan off?

Hi Everyone, New to this so bear with me! A few years ago i took out a loan with Welcome Finance after a few payments i couldn't afford to keep paying so stupidly i just stopped. They decided to re finance my loan at a lower rate to help but lost my original agreement. They decided to just re finance the loan but at a rate i still couldn't afford so i couldn't pay it. After a year i moved and I've never heard nothing from them. Not log ago i went onto my credit file and saw the welcome loan on my file, now they have not defaulted me after 4 years of having the loan. They keep registering late payments even 4 years down the line and they have added stupid amounts of interest against it. Now i want to start sorting this out and getting it off my file. I have been trying to contact them by telephone but cannot get through and the office where i took out the original loan has closed down. I want to come to some sort of agreement to start paying this off but the amount stating on my file seems to have added stupid amounts of interest and i know i was sold the PPI so the amount stating i owe i know is incorrect. The original loan i took out was £2,000 I guess I'm asking what the best way is to sorting this out?? Any help will be greatly appreciated! Thanks