Hi , Thank you for your reply. but the plot thickens??? Today I decided to go into the local office and I am seriously confused now. I took the reply letter from my complaint and asked them to explain it to me and here is where I get confused. They have stated the following : I am 6 months in arrears - This is simple not true! The arrears are as follows : 3 months from before the default they sent to me before the notice of default on feb 2010, I advised them that I paid the default in full and they agreed ?? the other 3 months are made of credit card payments which were made at the end of the month but seeminly they do not get processed straight away on the welcome system and can take about a week to show, again I advised then this would not be a missed payment that should really look at as if its a late payment and again they agreed?? so after asking these questions I asked how can I be in arrears when the 6 months have been clearly paid, The answer I got was?????? wait for it ???? "because you are""" try and work that one out??? I also asked about how could there complaint officer advise me that I had been in arrears since feb 2010 when this is not true, I was advised that it was simply because I was not paying 1 month ahead but I have paid all the payments they have asked of me but the manager of the office stated that I should have made an extra payment as that way the system will never think I am behind, confusing or what?? So basically I am a bit more confused and have now sent them the SAR andd payment for it to. Also I requested that I use my right to terminate the car (not surrender) but the office manager said no chance, I called there head office and spoke with the complaints team and asked them if I could terminate the contract and guess what they said yes so they have seemily processed it. but will wait and see what happens. I have also contacted my local cab office and went to see them and showed them everything I have and all of there replys to me and they have said to fight them evry bit of the way Also as per previous comments I have checked my credit files with equifax and experian and they have reported to both the default and I called to confirm this as it is getting reregistered every month !!! also it shows no missed payemts apart from 1 on Jan 2010. I will await the sar reply and post what I can but any further advice would be great sorry forgot to say today the complaints team also blamed the first car I had for the arrears ?? I had it for 3 weeks and I have a letter from WFS stating that car would be taken back and all payments from it would be transferred to current car. There were no arrears on first car as no payments were due but I had made a payment early on it so that was transered over seeminly

Hi Everyone, I needing some advice as I seem to be getting messed about by my finance company. I took a car on finace from there Edinburgh office, I was advised of my payments and interest which I was happy with and still am , but I recently received a statement from them and was shocked by the amount I still had left to pay (£3500) which was totally wrong as I only have 8 payments left of £200 each month. I contacted my local office and spoke to them about it but they could not understand what had happened as they check my agreement which stated that the payments would end on October 2012 but now it is showing that I have to pay until the middle of 2013?? The girl at the local office advised that I would need to make a complaint to there head office in order for them to investigate this and that they would get back to me with in 8 weeks, The first time I complained I heard nothing from them then I had to resubmit the complaint again, This time I got a response which I am not ammused at. The letter from there complaints states that I have missed payments in the past and also I have been in arrears since september 2009 and this is why I have now to pay for longer?? With regards to being in arrears this is simply not true, they served me a notice of default and I had to pay all my arrears and have never missed a payment since then approx Feb 2010. I do agree that I missed some payments at the start but I made them all up and have never missed any of my last 20 payments, they have been all on time too. I had to clear my arrears as they threatend to take my car and also they send me a notice of default which they served on me so I had to pay alll the arrears at once which again I did. I looking for someone to tell me if they can add more than £2000 extra interest for some late payments and Where do I stand?? on this letter from WFS they have stated I missed a total of 6 payments but they have not stated that I paid them in full. If any one could help that would be great

Hi , I have never been given any paperwork or even signed anything

Hi Everyone, Im looking for some information , I have had to have a lot of dental work done recently. I went to the dentist as I had a lot of decay in my mouth and wanted to get it sorted out, I was advised that I would get it on the NHS by my dentist, The dentist made a plan for me and started the work and completed the top but the bottom is still to be done, now the dentist I had has left the practise and now the dental surgery are trying to bill me stating that the work that was done was not covered by the NHS?? I have had bridges and crowns fitted. I have advised them that I do not have the money to pay the bill and that I was advised that all the work was to be covered by the NHS , they have since sent me a bill for over £2000 and have now sent my account to a debt collection agency. the work was carried out over a year ago and they are only just seeking the bill now.