Its not a mortgage prob so forgive me but thought somebody here might be able to help me. Took out a top up loan from welcome finance recently for £800 but they gave me a cheque for £1700. I queried this with them over the phone and they explained they took out a loan to clear my other loan and totally baffled me but then said everything was right. I have since spent the money. they have now contact me demanding the money back. I can't pay it. They say I have commited fraud and state they will be contacting the police.Help!(posted 7498 days ago)