Hi there Very new here and hoping someone can give me some advice on a claim I've received for a Welcome Finance debt. Particulars The claimant claims the sum of xxxxx being monies due from the defendant Welcome Finance Ltd under a loan agreement regulated by the Consumer Credit Act 1974 which was assigned to the Claimant on xxxxxx. Notice of assignment has been provided to the Defendant. The Defendants loan account number was xxxxx. The defendant has failed to make payments in accordance with the terms of the loan agreement. A default notice has been served pursuant to the Consumer Credit Act 1974 by Welcome Finance Ltd. The claimant has complied, as far as is necessary with the Pre-Action Conduct Practice Direction. Background I took the loan out in 2007, I think I probably stopped paying a year after that. I had lost my job at the time. I have no record or documents relating to this loan now, although I am pretty sure I agreed to PPI and there have been charges added to account. Loan amount was 2k, claim is for over 3k. Having looked at other threads, looks like I need to send a CPR 31.14 - do I send this to MKPD or Welcome? Any other requests that I need to make? I have another week to reply to the claim and I want to defend if I have grounds. Any help much appreciated!

Hello all, I have just registered as the advice I was reading has been invaluable, thank one and all, having many problems with wescot at present, they keep threatening court proceedings, holding them off at present, I made an access request to the credit card provider and all they have given me is the application form, advice seems to suggest that a reconstituted agreement will be enough to enforce the debt, is this true, the debts precede the change in the law, so I am covered by the 1974 act, any practical advice for next steps with wescot, it also seems to me that their solicitors are possibly in breach of the solicitors regualtion authority when they communicate with people, their disclaimer seems highly dubious. Any help would be greatly appreciated, as I need to protect my young family. Regards benjamin brittan

Ok, another thread from me..... . I have an old Welcome Finance debt (2007/08) which was sold to MKDP LLP back in March 2010. I made a CA request which was ignored so put the account in dispute. Since then I have been bombarded with letters/phone calls from the above debt collectors. I've finally received a 'credit agreement' and some statements of account, and here is where it gets interesting... Firstly, the credit agreement does have my signature on it, but all of the figures and text including the terms & conditions are blurred and totally illegible, on that basis can I put the account in dispute stating that my s77/78 request has not been fulfilled?.... Secondly the statement of account caught my eye, as it's an original statement from Welcome Finance, and on it the last entry reads " date xx/xx/xx DEBT WRITTEN OFF.....BAL 0.00" with no mention on the statement of any sale of transfer of debt.. ...I have found through my old paperwork the Notice of Assignment from Welcome stating that "The effective owners of this account are MKDP LLP" and that this NOA is effective from date of receipt. The interesting thing is that the NOA is dated a week after the debt was written off on the loan statement, so have Welcome transferred this debt correctly?.... My initial view is that as the balance was written off and zero'd on an official loan statement a week before the binding date of the NOA then MKDP bought an account with a balance of zero so the debt does not exist?..... Once again, any thoughts and guidance would be very much appreciated