Hi Guys,

We have had numerous problems with Welcome Car Finance and have been told by people on here that our agreement is unforceable (welcome don't seem to think so). We were phoned on monday by an account manager about why we haven't been paying our account when we "agreed" to a payment plan in February, we didn't they took the money from my husbands bank card (visa electron) and left us overdrawn and unable to pay the insurance and tax for the car and refused to refund it back to my husbands account and basically told him to drive the car with out tax and insurance. She then discussed my husband issues and agreed to look into the account and send us the information. Today we received the info and according to her all of their calculations are right we owe them the full amount (still over 6 grand) and need to contact them a.s.a.p to make arrangements to pay. They have also offered us a 50% discount on the account if we "manage to accquire the money" and pay it in 21 days.

My question is :- Why would they offer us 50% discount on the account? If they were sure we were wrong wouldn't they just default us, repo the car and then take us to court for the money owed?

We have paid 1 or 2 payments in about 18 months as they are in default of the account from a previous lot of letters that they haven't responded to.

Any help or advice about how to go with this will be greatly received.

Mummy_of_five