Wellcome Finance sold loan I had settled

Meiya_Lyrics

:mad: 6 years ago, after redundancy from a city banking job I experienced adrenal and thyroid failure which went undiagnosed until this year. As I slept my way through the next 2 years of my life I ended up in serious trouble over repayments for loans and a re mortgage. The loan I am concerned about originated through a new Kitchen I had installed in 95. This was arranged through a Lombard company, 1st something or another, but they were very good and I was a model customer and was very happy with the company as I received statements from them about my loan and knew where I was in paying it off. Then they informed me that my loan had been sold to the awful Wellcome Finance company, and after that I never received any statements. When I fell behind on payments the collectors from their Gillingham office started turning up on the doorstep looking for their cash. More often , than not I ended up being a shoulder to cry on for their collections men who left one after the other because of the companies now notorious loans with rates so high people are unlikely to ever finish paying them off, and they have appeared on Esther Ransom's consumer affairs program and Watchdog I think. My illness meant that my mind was no longer working properly as the neurons in the brain fire half speed when thyroid or adrenal failure is present causing a condition not unlike early onset Alzheimer's. But when I eventually did get my self stabilised temporarily in 2005 I investigated this loan thoroughly and talking to the Lombard firm I was pleased to hear that I was sold as a random number of customers to raise money (not selected to sell) and that the 1st firm sold this out to Wellcome on the condition that they may not raise the interest rates sharply, hikes were not allowed unless within reason. I then set about trying to arrange a settlement figure so I could clear the debt completely. I dealt with the manager Leo and clearly remember having to take a wad of cash round to the offices late at night in the winter months of 2005 and feeling really resentful of the managers attitude. But walked away knowing the debt was cleared. I had kept a folder with all my paperwork regarding my dealings with Welcome and receipts for payments. Then I relapsed, fell into the company of an osteopath who subsequently conned me out of my family home after promising not to take it from me, he made me homeless on Christmas Day. It has taken me all the money which was a pittance thanks to the con, and all this time for me to prove to medical professionals that I am not depressed my condition is as we now have proof of, adrenal and thyroid failure. I am awaiting treatment and applying for benefits, and recently unpacked boxes that were in storage from when I was forcibly thrown out of my home and amongst the boxes were all these documents from that loan and unhappy time. I decided that I could throw these items away because the debt had been written off/agreed a settlement figure and paid in cash, and I didn't think the documents would be of use to identify thieves as I no longer lived at the address on the letters and so I did not shred them. Two months later I get a letter from Wellcome demanding £5,000+ for this loan they claim I have not paid. It is clearly nonsense, but then they sold this supposed 'ghost' debt to HFO. Now HFO are pursuing me for the money and Wellcome and I'm informed by someone who just sounds far too certain of himself that I must find my receipt and agreement for the settlement I paid Leo or be taken to court for the amount they now say I owe. I have had nothing from this company since , , then weeks after I bin my receipts and accounts paperwork someone is calling me telling me I must prove this cash payment happened or pay up. I've thrown away all my statements from 2005, because I used the money from losing my home to clear everything that was a debt and have been cleaning up my financial rating with a specialist company using equifax and experian records and data so that i can go forward with at least the ability to secure finance in the future if I ever needed to . My cleaned up credit rating was precious almost to me. And i wonder if someone hasn't taken these papers to Wellcome finance as they were not any good to use for an ID scam. I think someone may have sold those receipts to Wellcome after finding them in my bins, Since my redirection stopped two weeks ago bank accounts have been set up in another persons name using this address that they have registered themselves as living at.in my current home when they do not. Could these things be linked to some sort of scam or ID theft racket? How am I going to deal with this horrid all time low life unregulated loans company whose staff are absolutely repugnant to deal with and is riddled with corrupt and unemphatic and unsympathetic low life salesmen , signing people up to loans they know they will never be able to finish paying off as the rate is so high.
Can anyone please give me advise on what to do.? I am still awaiting treatment for my condition but have self medicated to be able to have a better rate of neuron activity in the old grey matter at the present time but its really difficult to deal with a bully boy company who are not willing to be sympathetic r understanding of my illness even though I am virtually housebound and need help to deal with my bills and finance still even though I am much more competent than i was four years before. HELP please. This is such a huge stitch up by Wellcome. I'm sure that manager just took my cash and pocketed it for himself and doubt he is still there anyway,I've paid this all off , and now they are being the crooks that They are so often accused of being.