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 credit agreement from this account and denying all knowledge of said account. Today would be the 13th working day since they received this and until today I have had no further correspondence. Today I have received a claim form from northampton court. The address for sending documents is hegarty llp in Peterborough and the claimant is welcome finance. There is no mention of ind. The particulars of claim state: The claimant claims for sums due under a/various credit agreement(s) related only to money regulated by the consumer credit act 1974 entered into between the claimant and the defendant. The agreement(s) was/were terminated upon the defendant failure to comply with the terms of the agreement(s). The claimant complied with section iii and iv and annex b of the pd pre-action conduct. And the claimant claims: Personal loan account number [*****] balance of 1789.40 as of 2/12/11. Less payment of 1 dated 18/3/13. Interest under s69 of the county court act 1984 at the rate of 8% a year from 2/12/11 to 2/4/13 of 191.00 and also interest at the same rate up to the date of judgement or earlier payments at a daily rate of 0.39 AND costs. The £1 payment referred to here is presumably the postal order I enclosed with my credit agreement request-stating that this was not to be used for any other purposes. This is way over my head now and as I will be applying for a mortgage soon it is all very worrying. I have signed up to view my experian credit report, and have a healthy score with absolutely no sign of this loan anywhere. Thank you anyone who has read all of that, and I really hope you can help! EDIT in order to write this I referred to all of my documents, and realised I'd never checked the recorded delivery status of the CCA I sent. Having now logged in and checked on the post office website it looks asthough this hasn't been delivered. The address was a PO box but I was assured at the time of sending that this was still possible. In addition to this, the £1 payment that they are claiming could have come fron nowhere other than the postal order I enclosed.

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 contact with Welcome Finance altogether. I moved to London and had received letters from them and statements right up until I think around 2011. I had never heard anything in terms of debt collection agencies etc. I moved to Spain in Dec 2011 and have come back to London just this month (August) , I applied for a new job and it turns out that a ccj was registered on 25/07/12. The CCJ registered was for £3,551. I contacted Northampton county court and they told me it has been transferred to Kingston Upon Thames court and when I asked they said that was likely when the creditor is seeking further enforcement. I called Kingston Upon Thames and they said that yes it is transferred to them and if I was asking for it to be set aside I need to complete the N244 form and pay £80. I then contacted Welcome Finance and explained that I would like to come to some type of agreement with them so that I can ask the judge to set the ccj aside on the basis of never receiving any notice of the debt being reassigned and also the fact that I had moved out the country and never received any judgement notices etc. Welcome Finance said that they cannot deal with the account and that I would need to speak to IND Ltd. So I called IND Ltd and said the same – I’m not in a position to pay the full £3,551 within the 30 day time limit for the judgement to be automatically cancelled but I wanted to come to an arrangement with them to then ask the judge to set it aside. I was told they wouldn’t accept any agreement . Firstly I offered to pay a lump of £1000 and then pay £500 per month and when she said there was no way I then asked about a discount where she said It would need to be around £3,000 and full and final settlement would be the only way to get the ccj cancelled. Realistically what I wanted was to come out of the conversation with an agreed payment plan so I could then ask the judge to set the judgement aside on the basis that Welcome/IND would agree no to contest and the other reasons detailed. I really don’t know what to do as I am in a catch 22 position, I don’t have the cash to pay the full amount to make this go away the problem I have is I have just had an offer for a position in financial services which is my background but I know next week I will need to submit the credit check info for them and I will not pass hence I will not get the job. Does anyone know what I should do, how I should proceed with this? I would be grateful for anyones experience shared. Thanks. James