Hi Sadly the bad news is Welcome Finance haven't totally gone away, they were taken over by a company called Prime Credit. Even worse is that these people are just as bad as Welcome Finance, I took out a 15K secured loan 12 years ago and to my delight I find out I still haven't paid any of the capital off in 12 years. This is despite the fact that my contracted payment was 260.00 per month and I was paying 300.00 for many years....they are nothing but thieves, they don't care about your financial circumstances and some of their customer services people leave a little to be desired. Interestingly enough they are registered in Luxembourg and a detailed search will reveal that they trade as company called Alpha that was dissolved in 2015. They have a website that you can keep up to date with your account, however they will never answer your emails (ever) and if you make a complaint they will block you from the portal