hi ell-ann just a quick update no reply from welcome yet, still waiting will keep you posted!!!

hi there I was told by WF that they are winding down over 2 years and then ceasing business and trying to get as much money as possible, to be honest they are cowboys and will say anything, can't believe anything they say!!!

hi ell-enn thats fantastic i have added address and account number printed it off many thanks will get it in post recorded today

thank you, since i talked to them yesterday i have been physically sick, that they can try to do this!! would you mind drafting a lett, er for me please

hi thanks for your reply they told me yesterday that they have applied for a court order and that i can not appeal, i currently am paying £340 per month, when i asked about clearing arrears of £609 they said i can't i have to pay the balance of £3100, to date i have paid £12,700 the arrears are from over 15 months ago and i agreed to pay £20 extra in my payments to clear this by end of hire purchase, they said it was not enough even though at the time Dec 2008 we were told it was. Is it right that a court would just give a court order without contacting us??

hi Really need help, received letter from Welcome /finance "without prejudice" in order to protect our interests your hire purchase account has now been terminated, and full balance is now payable!!! I have rang Welcome this afternoon to be told that they have applied for a court order for repossession, I advised that we have only 7 months left on agreement out of a 4 year hire purchase loan, WF advised that we have arrears of £609, December 2008 we made an agreement to pay an extra £20 per month and this would cover arrears, now they want all the payments and will not let me pay extra each month!! I was told by call taker that welcome had gone bust and were winding down over next 2 years, so i said basically this is the company making sure they get their money and he agreed. I was also told that i have no right to appeal with court even though i have paid £340 per month for over 3 years, IS THIS RIGHT??? ARE THEY ALLOWED TO DO THIS???

hi Really need help, received letter from Welcome /finance "without prejudice" in order to protect our interests your hire purchase account has now been terminated, and full balance is now payable!!! I have rang Welcome this afternoon to be told that they have applied for a court order for repossession, I advised that we have only 7 months left on agreement out of a 4 year hire purchase loan, WF advised that we have arrears of £609, December 2008 we made an agreement to pay an extra £20 per month and this would cover arrears, now they want all the payments and will not let me pay extra each month!! I was told by call taker that welcome had gone bust and were winding down over next 2 years, so i said basically this is the company making sure they get their money and he agreed. I was also told that i have no right to appeal with court even though i have paid £340 per month for over 3 years, IS THIS RIGHT??? ARE THEY ALLOWED TO DO THIS???

. Many thanks will have a look

Hi Thanks for replying.........it's actually a joint account with my partner and he had a seperate loan out with Natwest Bank but they want to take the refund off that when my name was not on this loan........ I was told over the phone by Natwest last year to stop my wages going into the account as they were closing the account can't remember getting letter to say it was closed but they did stop all cards on account and online banking......... Just don't think it's fair most of my wages were swallowed up by these charges just think its another excuse with them of not paying it back

Hi Just received letter today from Natwest offering £2800 as goodwill gesture they have advised that they are paying into account that we were told was closed last year, they are saying that the money they are offering will be taken off the debt that we owe them. Can they legally do this without our consent and also i told them that i wanted it paid in cheque to us Has anyone any advice or a similiar story!!!!