hi just like to let people know i took out a secured loan with welcome 3yrs ago every thing was ok then i applied for a further top upit went through when i was on holiday abroad came home checked bank had seemed to have had more money in there than should have phoned welcome and they said t was not them phoned bank and all they had was a corresponding bank it came from but no authoriser so thought ok spend. then 3mths later welcome contacted me to say they didnt pay of my previous loan and paid it into my bank i explained i rang them and asked the question and they said no.it then took them 6mths to malgamate the loans and costing me £270pm as i also took ppi, then june last year i had an accident and unable to work so i rang them and asked whta could be done and they told me to claim of the insurance so they gave me the number i rang and after a while was told welcome had cancelled my insurance, and to this day they are saying i never had it even tho i signed an insurance form and sent back to them they say they cant find it any where. i now cannot work and on benefit and cannot afford the payments and been trying to pay £130pm with a struggle as i have a mortgage as well they are phoning me all the time and im fuming as i know i had insurance to cover such a thing and can really only afford about £90pm but they kept threating me with repossesion and im now scared, any help please