Hi Jamie and thanks for your acknowledgement' I have emailed you. Regards paulakirby

Im at my wits end someone please help me. I purchased my car in sept 2011 and 6 weeks ago was involved in a head on accident (fortunately no one hurt). My insureres Hastings Direct sent my car with cosmetic damage and broken power steering to the designated repairer (Nationwide). I rang the repairer several times explaining about the power steering and this was blatantly ignored. 12 days later the repairers stated the car was ready for delivery when i paid my excess of £200 but had not repaired the steering as they could find no fault. I refused to take delivery of it until they had checked properly. This was done the following day and lo and behold, the fault was found. The story should end there but alas, the repairers then said that the car had been involved in a previous accident prior to me purchasing it and the repair was not correctly done so the power steering could have broken at any point! My insurers then contacted me to say that the repairers had stated that they did not believe that the accident could cause power steering failure. Citroen garage then contacted my insurer for me to say that any damage to the front of the vehicle could actually cause the damage. My insurers then instructed an independent engineer to check the car and he has stated that he thought the previous bad repairs were the fault and therefore the insurance company will not pay out. My point is that the steering was brill prior to accident and didnt work after it. The repairers should have assessed this prior to completing minor cosmetic damage and they now want £200 excess before they will release my car to me still without power steering. What can I do? I dont want to pay to release my car that still remains broken and the insurers will want the courtesy car back leaving me with nothing

Hiya all...excuse me if i get this wrong but totally new to all this posting etc. Took out finance from welcome nearly four years ago and its paid up in march 2011...never missed a payment but hubby had to take a reduction in wages or face redundancy. welcome ring me/hubby at least 4-5 times a month to ask when next payment will be received as we pay by debit card an not direct debt...I tell them not to harrass me as we have never missed a single payment. However we have struggled to pay the £243 a month for the last 3 months but scrapped it together somehow (mostly shaving small amounts off other bills). Can welcome repossess my car if i miss one or two payments and make them up by paying extra in the new year? many thanx to everyone here. Paula