Repaying Welcome Finance Loan Advice Please

ukitaz

My first post on the boards, so be gentle please !

I took a loan out with Welcome finance a number of years ago which i never finished paying off and subsequently have had a debt with them for a while. Although i have not heard from Welcome for years.

I am now in a position to pay off the debt. I looked at my credit report and there were two instances of the loan on there.

One saying £2423 settled 27/05/07

then another saying £2423 owed last updated 13/02/11 (tommorow !)

I know Welcome has changed a bit lately and when i go on their website, i can only find a 24hour automated payment line, which is no good to me as i have no ref numbers etc etc.

So a couple of questions i would like help with if at all possible people !

A, Who is the debt with ? .. Do Welcome still administer these debts or have they sold them to a debt agency ?

B, When i finally get in contact with the debtors, should i be looking to repay the amount in full, or haggling to pay a reduced amount ?

Thankyou

[Deleted User]

when did they last speak to you or you to them?when did you last make a payment?have they ever applied for a CCJ?

ukitaz

Thanks for reply John,

I havent heard from them for over two years, at some point i think they did threaten a ccj and told me they had applied for one, but there is nothing on my credit report to say i have one.

[Deleted User]

sorry then its not statute barred,perhaps best to come to some arrangement with them