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Secured credit agreement with Welcome


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Hi Everyone!

 

I have a secured loan with Welcome Finance and have just received a copy of the credit agreement and legal charge as I disputed that I had a secured loan with them.

 

My signature is there and also it is dated, although the witness signature box has a small squiggle that I would never have called a signature! The legal charge has my signature (and again the witness signature box has a small squiggle) but the charge has no date in the signature boxes nor has it a date in the Date of Charge box. They also have the incorrect first mortgage supplier.

 

The loan was for 12819.10 over 120 months (at 27.70% apr), although I certainly never received this amount (I am currently checking statements at the moment), I have been charged £300.00 for medicare, £2519.10 Optional ppi, £235.00 acceptence fee, £1100 mortgage indemnity fee.

 

I want to know if I can do anything about this if there are dates missing and dubious witness signatures, especially on the legal charge document?

 

If you wish me to scan the two docs I will.

 

Thanks

Happy New Year!

HJ

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