Welcome Finance are well known for their "dodgy" recovery tactics, (charging you for them calling you, high interest, etc) I know its not much help to you now, but you must have been aware of this when you signed the credit agreement I was not aware of there underhand tatics and there ethic's... Al...

I am not nor have never tried to avoid paying debts, But I have paid what is owed as contracted and they want another £6k that looks to be fraudulent practice, Thats why I am hoping they have lost the contract... Thank you for your thaughts but really you should get the full picture before jumping o...

I was hoping that they carnt because if they dont hold a copy of the contract it would make the agreement null and void.. .

thank you for your reply.. I have asked for a copy of the contract over 3 weeks ago. I have read on other forums that when they updated there systems that some contracts where lost, I am hoping that they carnt retreive a copy.. It seems that with the end of the term on the contract looming that they...

ey just had a thought they should not be charging interest due to the ammount you sign for includes the interest... hmmm the plot thickens..

I am not in either, I was told that I may find some answers here by my partner that is in an IVA, and that other people might have had the same experiences.

Hi I have just received my welcome finance statment and was wondering if you have any views on the following. Capitalisation Fee - I think this is the interest on the loan. default fee Interest - Interest on the arriers i think HPDI Fee - I have no idea what this is but its £18. Ok the problem is th...

Went to welcome today, a different branch and talked to my original accout manager. He said if I put in a letter registered post a payment i want to make this month and how much i will pay in the coming months to make up for the lack of the full payment theres not much she can do about it. As i am s...

I am having exactly the same problem with the said company.... Last year I had aprox 3 months off work due to medical reasons and made part payments, The account manager I had at that time was very good and said to make whatever payments I could whilst on benefits and to catch it up when i return to...