Hi ya,
I'm a new member and in need of some advice.
I received court papers from Lowell Portfolio / Bryan Carter Solicitors dated 21.01.15 which refers to an old Welcome Finance debt for a loan taken out in May 2007.
WF did not take me to court for this debt but I received a default on my credit file which came off last year 2014. The last payment from my records was made on 21.09.09. If this is statue barred at what point would the 6 years START. Is it from the date of the default or the date from the last payment or activity on the account?
I have the credit agreement which shows that I purchased lifecare 24 cover and Personal Accident cover which was added to the loan then interest was added.I believe I was missold this insurance as I recall having to take out insurance to get the loan.
Can I use being missold insurance as a defence? I would like to defend on the basis that the total amount being claimed is incorrect due to missold insurance and as the debt has been through several companies who have all added interest on to the debt making it increase.
I have yet to make a claim for missold insurance through WF.
Can someone please advise me on what to do. I am really stressing over this.
Thank you
I'm a new member and in need of some advice.
I received court papers from Lowell Portfolio / Bryan Carter Solicitors dated 21.01.15 which refers to an old Welcome Finance debt for a loan taken out in May 2007.
WF did not take me to court for this debt but I received a default on my credit file which came off last year 2014. The last payment from my records was made on 21.09.09. If this is statue barred at what point would the 6 years START. Is it from the date of the default or the date from the last payment or activity on the account?
I have the credit agreement which shows that I purchased lifecare 24 cover and Personal Accident cover which was added to the loan then interest was added.I believe I was missold this insurance as I recall having to take out insurance to get the loan.
Can I use being missold insurance as a defence? I would like to defend on the basis that the total amount being claimed is incorrect due to missold insurance and as the debt has been through several companies who have all added interest on to the debt making it increase.
I have yet to make a claim for missold insurance through WF.
Can someone please advise me on what to do. I am really stressing over this.
Thank you
Lowell re: Welcome Finance
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