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They finally contacted me


Rachie1973
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I took a Welcome Loan in Feb 2007. Its unsecured, and was originally for £3000.

 

In March 2008 our business collapsed, we lost our home as a result. My husband was declared bankrupt and we now exist on my sole wage which is considered 'low' plus numerous benefits.

 

I ignored Welcome the first couple of months, then they stopped phoning. About the middle of last year I decided to take the bull by the horns and deal with all the probs. lol. I sorted it all out except Welcome.... they just didn't seem to answer their phones or anything! It was so weird. I looked for them online but not too hard I admit.

 

Now, at last, they've phoned my mobile. They always had that number, so I've not disappeared and had them chase me down or anything. I'm on the electoral role etc.

 

I did tell them I was out today, I wanted time to think what I was going to offer them. And whilst it will be token, I do intend to offer something. However, I would rather do it all by post. Can I do that? I use my mobile for work and don't really want to be answering calls to debt chasers whilst working for obvious reasons.

 

I am curious as to why it's taken 2 years since the last payment to contact me, but thats more nosiness than anything else.

 

Anyway, considering my wage is about £1000 a month, and the rest of our income is made up of benefits I'm only in a position to pay them about £30 a month for now, which judging from other peoples experiences isn't going to keep them happy. Should I expect them to start banging the door soon?

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Anybody's guess with welcome.

I'd offer them a quid a month personally, if you're on benefits.

You'll find a letter or two on here (might be better looking in the debt collector forum) that *should* stop them

phoning or visiting.

Edited by silverfox1961
bypassing swear filter

Carpe Jugulum

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You say"I took the loan" and "our business collapsed" and "my husband was made bankrupt"

Was it not a joint loan or a business loan which could be covered by the bankruptsy??? AS you say you both worked in the business concerned and I assume the money was used in that same business.

Maybe a more experienced cagger can pick this up for more info....

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