Welcome finance are scaring me!

[mr.ton]

I suggest finding out if these court papers are genuine from an actual court - not unknown for these things to be faked & for these companies to pretend to be the courts themselves.

Also - if it does go to court, they have to take into account all your essential outgoings (bills, clothes, food,travel costs etc..) - so chances are you'll repay £1 per month afterwards or something like that & there wont be a thing Welcome can do about that.

[mr.ton]

Do you know what court contacted you?

If you do, then ring them to find out that the claim is genuine - you may well find that it is Welcome pulling a fast one here.

If it is genuine, it will cost Welcome money to get you there.

The court will have to take into account all your essential outgoings like i said & you will repay whatever is left over - normally a £1 per month which is the minimum legal amount.

If you spend £50 per month on food - make sure you put down £100 instead - ive never known any court to require receipts for the food you buy ........hope you get my jist here

[mr.ton]

Yes..but after your mortgage payment is made, you have to have money for other bills, food, clothes & travel costs - all of which are classed as legal essentials which a court has to take into account.

So you may end up repaying £1 per month in this instance or even better still, if there is nothing leftover - the court can order a suspended judgement & Welcome get nothing at all