Welcome Finance taking me to court!

Roberta_3

I am due to go to court on the 23rd February againt Welcome finance and Im scared stiff!!

I took out a loan with Welcome for £2000 roughly 2 years ago, I was paying back required amount every month but hit financial difficulty and found it hard to make full repayments. I joined Payplan who contacted all my creditors on my behalf and offered them reduced payments over a longer period of time. I was paying this every month as well until just before Christmas I missed two payments, I then received a letter from court saying welcome were taking me to court, I offered to to pay them £20 a month (all I can afford) but they have objected to this and now I have to attend court on the above date.

Sorry this is a long story but theres more! I contacted Welcome asking for a statement so I could see exactly how much I still owe and found loads of extra charges added on e.g. £69.80 here and there for interest posting! (what is this for?) £25 charges for coming to my house! Plus I still seem to owe £2480 even though I had paid quite a bit off also when they posted my statement out to me stuck behind my statement was another customers bedt details with all his personal finance and details listed on it! I was that mad with Welcome that I called the guy up and told him I had received this and he asked me to post it on to him, which I did.

I then received a very nasty call at work from a lady at Weclome asking me if I knew the bother I had caused for the company and was this my was of getting them back as they were taking me to court. I explained to them that I only passed it on as I felt the customer had a right to know how incompetent there company are! Have I handled this situation right and can anyone advise me of whats going to happen at court?


Any advice would be gratefully appreciated.

mjdh1957

Hi Roberta,

Sorry to hear about that. I'd recommend getting some legal advice, possibly via the Citizens' Advice Bureau. It's important to know your rights and the probable outcome of this kind of action being taken against you. If you're already with PayPlan, do you have a contact there that you can discuss this with?

I think the judge will look at your situation and then assess what you can afford to pay, so it may well be that he will make Welcome accept £20 or even less. In any case it is important that you attend court, or you will get a judgement in default, which would be worse.

Good luck!

tommy_a

Agree with mjdh1957, get legal advice, go to court, get your legal adviser to handle everything. Do not worry. Make sure legal adviser has all paperwork, tell them about the phone call. At the end of the day if Welcome want the money they can only get what you can afford. Workout all your incomes and outgoings, pass this info. on your legal adviser.