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DEbt only just defaulted after yrs of '6' markers - is this fair?


darrenwillo
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Hello,

 

I am in a similar position to darrenwillo.

 

I took a loan out with Welcome in 2008 and shortly after fell ill. I tried claiming on the insurance but it wasn't successful.

I got a PPI claim from FSA last year of nearly 2.5k which was credited to my agreement but since they've made no attempt to collect.

 

I was out of work until April last year and I've emailed them and lettered them but no response.

 

My credit file just has 6's, it's never been defaulted or been referred to a collection agency - I'm at a loss as to what to do. I can make payment but they won't be for large amounts, any advice?

 

I get my 6 monthly statement from them but there is never any change on the amount. When I look at my credit file it says 'lifetime change £-515' - which isn't correct.

 

Should I just go to the financial ombudsman and let them deal with it?

 

Thanks

 

Mate, one thing I have noted on this forum is that you should start your own thread. Once you do that that the site team will be quickly upon it and offer advice.

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