Hi. I''m looking for some advice regarding a charge on my property which has been highlighted during a remortgage application. I took out a secured loan with Welcome finance back in 2006 and there is still a charge showing on my property to Progressive Financial services with a note under handing it to Coast- apparently Welcome became Progressive Financial services who then sold all debts to Coast as part of insolvency I think in 2018.... gleaned this from googling and here though I'm thinking this is mostly common knowledge that me under my rock missed out totally! they are saying I owe just over £5000. I was pretty sure I had paid this off however upon checking with my bank I must have defaulted as the last payment I made was in September 2009. I have never been asked to repay this loan and have not even had any correspondence regarding this in years!! My question is where do I stand? Do I have to pay this now? And if I don't can I get the charge removed? Some more researching indicates some secured loans have a 12 year statute barred period but that's as far as I've got..... I've no idea where I stand with this now but I do know I have not entered into any correspondence with them or anything since that last payment over 13 years ago. Any help or advice would be greatly appreciated. Thank you