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About Me


Found 4 results

  1. I have a historic debt with Welcome Finance which, after a prolonged period of time, has gotten back in touch with me. Having read a few posts on this site, I think there may be a few options I can look into with regard to possibly reducing the balance on this debt. There is quite a long story here, so let me explain as best I can.... 18 Aug 2001: Purchased 2nd hand car from Direct Car Finance. Finance provided by Welcome Finance. No PPI. Shortfall Insurance also taken out for full loan term. Breakdown and recovery insurances also taken out, not
  2. Hi, I am looking for the advise to handle my unpaid debts. I had some unsecured debts for sum of £14500 (approx.) and had to leave the country due to my employment situation in Oct'13. I didn't want to leave without paying it but I had no choice. I consulted with StepChange Debt Charity, as they advised I sent letters to the concern departments of the Bank explaining my situation and they agreed to keep the debts as it is with no interest for 12 months. Now I am back in the country after 16 months. Would like to repay some of my debts but I am not sure how
  3. Hello Will try and summarise.. . if I miss anything please let me know but would be so very grateful of any advice on what to do now. Capital Bank Joint Personal Loan £5,481.20 outstanding taken out in 1997 It got transferred to Wescot Credit years ago and we had no communication with Capital Bank Direct at all. It went to Legal & Trade Collections before Wescot and also a solicitors but we adamantly paid the minimum and had been paying £40 a month to Wescot for a long time but not paid anything since beginning of 2009. April 2009: received a letter with 'Your Ann
  4. Looking for some advice on action to take, as a little confused. I never expected when googling this to find so much information, it's almost impossible to sort out what's relevant and what's not! And so many people in similar circumstances! I have got a refinanced loan and basically now owe around £4000 to Lloyds TSB. I lost my job March 2010 and ended up avoiding the loan repayments. Lloyds eventually took my benefits from my account, forcing me to phone them, and I set up an agreement of £5 a month. A few months later a £5 payment bounced which apparently "ended our agreement". I avoid
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