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Hello, I met my husband 5 years ago and he had a lot of debt which together we have cleared all accept one with welcome finance. This loan was originally taken out for a car in 2000 for £3,999, however due to being hit with a £489 per month CSA payment he defaulted and sorry to say ignored them for a few years. They made his life hell and he tried to take his own life. No excuses he is at fault and we set up a repayment plan with welcome and have never missed a payment. Yesterday we received a letter from CABOT FINANCIAL SERVICES saying they have been sold the debt by welcome which now stands at £3,589 after paying for all these years he still owes a huge amount which is probably the interest from him ignoring them, his own fault. Now can someone please advise me of what to do? of course we will be paying back as we have been doing for 5 years but do I ask for the original loan agreement to see if they have the right to demand payment ? and would you recommend contact by email, phone or letter? My husband has not slept and as you can imagine it has stirred up old feelings!! Your help and advice will be greatly appreciated on this sensitive matter, please take into consideration that HE totally takes full responsibility for his actions. Thank you
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