Welcome finance HELP

Sorry for the long post. I had several loans from welcome in the early 2000s and on the last one i thought had finished and welcome said i had another year to pay and i disagreed. Welcome took me yo court in around 2008 and the judge through it out and agreed with me. I have recently claimed ppi on the loans and it was upheld but i have received a letter stating that i owe over £3000 and the debt was sold yo a third party and the money would be offset against the debt. I called welcome and said what had happened at the court and they said they have no record of them taking me to court and the onus is on me to prove they took me to court and i dont have the papers cause it was such a long time ago. I have called the court and they said as a judgement was not made against me then they would have closed the case and also have no record of it. What can i do???


  • Nasqueron
    Nasqueron Posts: 9,019 Forumite
    Name Dropper First Post First Anniversary Combo Breaker
    You borrowed money and didn't pay it all back in their eyes, it's quite logical that they would offset any refund against your unpaid debt. You are in effect asking for a refund of money you never paid.

    You are making the complaint so they are correct the onus is on you to prove your allegations.
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