Thank you havinastella . I will request for SAR.

I have contacted WFS in 2007 and infomred them that I had lost job . I came to know in November 2007 that Welcome finance added lots of fines & charges and I could not able to pay back this huge charges, also asked them to remove the charges without success and I gave up .

Welcome finance kept adding charges , interest and court charges . According to account statement the total loan amount is 5527.70 and rest is their legal cost claimed by IND / 12/ 2011 Personal Loan Account 5.5Z7.70 --loan amount with interest

Hello, I am new to this site, but after reading many of the threads on here, I believe somebody may be able to help/advise me. MY Loan with welcome finance:  Took a loan £2500 on 21st march 2007  Paid 3 instalment £178/month  A CCJ has been issued on October 2012 for a loan amount £6120.00 and paying £35/month  PPI has been claimed and deducted from total amount.  Current outstanding balance is £4120 I have asked IND (Welcome Finance) to send me CCA and from CCA I have found that I have been charged £75 for Acceptance fee and £900 for PPI. From few other forums I have found the loan is unenforceable if it is before April 2007 and there is an acceptance fee (correct me if I am wrong). I have offered 50% amount of total outstanding to WFS to settle my account, however they are demanding the full amount. Could anybody please advise me on this below : a) If the Loan is unenforceable How Should I proceed to qualify it unenforceable? b) If the agreement is unenforceable, can I appeal to court to put CCJ set a side? I have also not informed about CCJ. I have attached the CCA and I would really appreciate any help on this. Thank you.