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Hi guys, hoping somebody can help me out, I’m a first time poster
i had an unsecured loan of £2500 with welcome finance back in 2006.
I was obviously in difficulty at the time hence using welcome, and eventually defaulted.
I then entered into an Iva which did not go the distance, and I entered into a payment plan with all my creditors.
I’ll be totally honest I don’t know how much I paid back given the time that has passed, but I’m confident it surpassed the £2.5k.
I’ve ran a credit report today, only to find an entry from coast finance solutions for £3.6k showing as late payment.
I couldn’t find much about them on companies house, so was dubious about writing in blind and giving them my details (I’ve moved house in the last 13 years).
I spoke to them on the phone, and they advised it is the welcome debt that was £2.5k in 2006.
I’ve requested a notice of assignment, DSAR and CCA by e mail, but the the question is, can they suddenly start reporting my account as “late payment” after 13 years of nothing??
ive worked hard to repair my credit file, which I finally did last year, so this is a body blow.
The guy on the phone also confirmed I’d paid £10k back already, and they still want another £3.6k.
TIA
i had an unsecured loan of £2500 with welcome finance back in 2006.
I was obviously in difficulty at the time hence using welcome, and eventually defaulted.
I then entered into an Iva which did not go the distance, and I entered into a payment plan with all my creditors.
I’ll be totally honest I don’t know how much I paid back given the time that has passed, but I’m confident it surpassed the £2.5k.
I’ve ran a credit report today, only to find an entry from coast finance solutions for £3.6k showing as late payment.
I couldn’t find much about them on companies house, so was dubious about writing in blind and giving them my details (I’ve moved house in the last 13 years).
I spoke to them on the phone, and they advised it is the welcome debt that was £2.5k in 2006.
I’ve requested a notice of assignment, DSAR and CCA by e mail, but the the question is, can they suddenly start reporting my account as “late payment” after 13 years of nothing??
ive worked hard to repair my credit file, which I finally did last year, so this is a body blow.
The guy on the phone also confirmed I’d paid £10k back already, and they still want another £3.6k.
TIA
