bob-k
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Everything posted by bob-k
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And just leave it there at that amount forever? Surely the long term goal should be to get rid of them for good?
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Ill get onto the SAR request over the weekend to get all the information I can from them. I am 100% sure I have had PPI on at least one account, I specifically remember them telling me the only way they could give me the loan was with PPi as I was young and an apprentice so my job wasn't secure (13 years later still there) There are defaults showing but I haven't checked in the last few weeks to see if there is one from welcome for the recent missed payments, they are with other companies, and I am working off paying them as much as I can afford while still maintaing my priority debts. There is also a CCJ on there, However I have contacted the company that requested this judgement to confirm that this has been satisfied, They have sent both myself an the register a letter confirming that it has been satisfied, and I have confirmed that it has now been removed from my credit report.(in the last week) Thanks for taking the time to reply. It is appreciated.
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Ive been a customer of Welcome finance for 12 years having unsecured loans up until around 5 years ago when I took out a secured loan, From memory it was around 22k (I have requested a breakdown of info from welcome so will report back with that) Paying back currently at £250 a month until this month and last when I had no choice but to miss the payments. Having discussed this with welcome I asked for a breakdown of the remaining payments, to which I was blown away to find out there are 178 monthly payments remaining at that payment amount. By my calculations I have paid them back approximately £15 000 with another 44 500 remaining. Im not in a position to up the payments to clear it off faster and pay less interest. Have I any other options other than to just keep making the payments? I haven't claimed PPI back on this account, im going to research into that now, however from the limited looking around I have done I believe I am past the time limit as with this loan being 5 years old my previous 3 unsecured loans will be at least 6 years old. Again the information above might not be totally accurate, but its what ive been lead to believe on the phone. Ill report back with more accurate information when I have it. So first thing first, Wait for the documentation requested from WFS, Then send in the information request along with the £10 as outlined in one of the threads above, and then start persuing the PPI aspect, However im wondering is there anything I can actually do about the loan? In the mean time, thanks for reading and any basic advice of what way I should move forward would be appreciated. Thanks Bob
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