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  1. I hope this is in the right place! I want to explain everything so I apologise if this is a bit lengthy. I received a letter from ind ltd in march stating that they had been appointed by welcome financial services ltd to collect a debt of £1789.40. This was relating to a loan they claim I had in december 2011 (or possibly defaulted on in december 2011, it isn't very clear). I did not take this loan out. Many years earlier I had a loan from this company but as far as I am concerned it was all paid off, way before 2011. I copied a template I found on here asking for the cred
  2. Hi Everyone I was hoping to receive some advice on a very difficult situation I have found myself in. I suppose I will start at the beginning to give you all the details. I took out an initial loan with Welcome Finance back in 2006 for £1500 which included PPI. I then received a phonecall a year later after clearing half of it asking me if I would like a further loan of money, I agreed and so the initial loan was repaid and I had a new loan of £3000 without PPI. In 2008 I stopped paying this loan due for a number of reason and effectively cut off cont
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