Hello there, Would be really grateful if anyone could offer some advice please regarding Welcome Finance. I Voluntary Terminated and agreement for vehicle finance back in February 2009, all above board paid more than 50%, they collected the car etc etc. They claimed i still owed £465.83 and they had "reduced" the agreement down to reflect this value. Since then i have had various battles with them regarding the outstanding balance they claim i owe which is for the balance on the Gap insurance and amounts charged for damaged on the car which was already there when i bought the car. Having recently checked my credit report as i got rejected for a loan, Welcome Finance have very kindly been continually reporting since Feb 2009 as late payments on the credit agreement which has been voluntarily terminated. They have so far registered 32 number 6 payment records and continue to do so. This is the only poor credit reference i have and it does not truly reflect my credit status and is stopping me from getting credit i am entitled to. My question at the end of all this is, how or even can i get them to put my credit file correct as it was voluntary terminated above board and the remaining balance for damage and gap insurance has been under query ever since. Any help or advice whatsoever would be really really appreciated. Thanks in advance

Hello Ian, that's super help many thanks. One last thing though and really the most important part for me to be honest. If i have been mis-sold a policy, they have refused to pay out, and the terms of the policy clearly stated out of work for 12 months and entire balance settled in full. Do i not have a case for the full balance due which is some £15k or just the ppi payments. If you can advise me on that one as well i'd appreciate it. Mike

Hello Ian, appreciate your reply thanks. They where made aware of my situation yes but as this was basically sold over the phone to me how do i prove i made them aware of it now. I have no proff or reference to the conversation or anything in writing that states i am self employed or otherwise? Thanks for any advice. Mike

Hi there, i am new to this site and have found the information really really useful, me and my wife are just in the process of sending S.A.R - (Subject Access Request)'s to: capital one yorkshire bank x 2 halifax barclaycard. I was wondering if anyone can help with this one though, i have a lloyds tsb credit card with a balance of some £15k +. Was sold ppi and understood that payments would be covered. Being self employed, i found myself out of business and made a claim on the ppi only to be rejected due to being self employed. My question is, do i have grounds to make a claim for the full balance amount, i was out of work subsequently for over 12 months and the policy i was sold stated if period of unemployment is 12 months or over full balance will be cleared. I know i'm going on a bit here, but surely if ive been mis-sold a policy in the first place, then shouldn't i have a claim on the full outstanding balance, not just the premium's charged, as this is what i believed and was sold as my policy. Thanks for any help or assistance anyone can offer. Mike

Hi there, i am new to this site and have found the information really really useful, me and my wife are just in the process of sending sar's to: capital one yorkshire bank x 2 halifax barclaycard. I was wondering if anyone can help with this one though, i have a lloyds tsb credit card with a balance of some £15k +. Was sold ppi and understood that payments would be covered. Being self employed, i found myself out of business and made a claim on the ppi only to be rejected due to being self employed. My question is, do i have grounds to make a claim for the full amount, i was out of work subsequently for over 12 months and the policy i was sold stated if period of unemployment is 12 months or over full balance will be cleared. I know i'm going on a bit here, but surely if ive been mis-sold a policy in the first place, then shouldn't i have a claim on the full outstanding balance, as this is what i believed and was sold as my policy. Thanks for any help or assistance anyone can offer. Mike