Please Help!

RickfromHerts

Hi all

Thanks for taking the time to read my post. Unfortunately I was a bit of an idiot when I was younger and never saw the value of having an excellent credit rating; this has led to defaults and also a CCJ on behalf of an unpaid loan from Welcome Finance.

Recently I decided to take action (never too late I thought!) and started paying all debts off, with the long-term goal of significantly improving my credit score. Initially I contacted Welcome with a data request so that I could look at exactly what was borrowed, paid and left outstanding etc....Straight away I noticed that there were many irregularities within the agreements sent back to me.

Not only did I now have 2 contracts with them - 1 had been settled for £2,800 and then re-opened for £6,000. But the second contract had been completed by someone other than myself. The handwriting is completely different, the signature is completely different and even the spelling of my surname is incorrect.

I am looking for advice on how to approach this, I have already raised the dispute to Welcome; they seem to have dropped off the face of the earth since doing so. My next step was to contact the Financial Ombudsman (this can take a while so I'm sitting tight). Seem to be quite stuck now and not too sure on whether to pursue on the grounds that the second loan has been forged or to wait etc....? Any advice and previous experience would be greatly appreciated.

Have seen that some people have attempted to "pretend" that signatures have been forged etc... in order to get out of a loan. That is 100% not the case, I take full responsibility for not paying the original loan off and pursued this to correct that; however, if this CCJ has been put through on the grounds of forged documentation.....

RAS

Rick

You have now iopen three thread with the same info?

https://forums.moneysavingexpert.com/discussion/3071106

please stick to one thread.

RickfromHerts

Hi RAS

Where I do appreciate your response; I am also aware that threads lower down the list may not get read or visited which is the reason for re-posting.

Am just looking for advice and am sure that I have not offended anyone or broken any rules (I checked the forum rules and etiquette before I re-posted)

As above, appreciate the heads-up.

DVardysShadow

RickfromHerts wrote: »

Hi RAS

Where I do appreciate your response; I am also aware that threads lower down the list may not get read or visited which is the reason for re-posting.

Am just looking for advice and am sure that I have not offended anyone or broken any rules (I checked the forum rules and etiquette before I re-posted)

As above, appreciate the heads-up.

If your thread drops off the radar, the correct way to bring it back into view is to repost on your own thread. This is called 'bumping' a thread. You post something like this

Bumping. Anyone?

As someone has already responded to another thread, I suggest people go to that thread https://forums.moneysavingexpert.com/discussion/comment/41451320#Comment_41451320 to post responses

The reason for this is that davek1 has already given good advice and you wouldn't want to have someone else waste their time giving the same answer on this thread.