I took out a HP Agreement with then in April 2006 which was arranged through a local car dealer. This went well however I was contacted by them in January of this year to upgrade my car. Naively I did so. In February myself and my partner separated which caused a massive problem with my financial situation so in March I contacted Welcome and asked if I could terminate the agreement, they told me I could but would be liable for the costs agreed to in my contract, they also said that I would have to but my request in writing which I did. By April they had still not contacted me regarding uplifting the vehicle, I contacted them and was told that my letter was not received so I sent it again this time by fax to the person that I spoke to on the telephone, I was told that I would be contacted soon. By June I had still not been contacted to arrange the uplifting of the vehicle. On the 24th June I was contacted by the Walsall branch of Welcome Finance to arrange a repayment scheme for the arrears of my HP and also a loan agreement I am currently signed in to with them, I informed the lady that I was still waiting for someone to contact me with regards to uplifting the vehicle she then gave me the telephone number to the inspection desk to arrange for the RAC to inspect. On 24th June PM I was contacted by another branch of welcome finance in Lancashire I think, requesting that I arrange a repayment schedule with them or risk being taken to court, I informed the gentleman of my conversation with the Walsall branch and he said it was ok for me to carry on my business with this lady. I agreed with the lady from the Walsall branch that I could pay back £150 per month which was all I could afford she informed me that she would have to come back to me after speaking with her manager as that was not enough per month. Please also note that they still have not sent my settlement figures for both accounts as requested. I contacted the inspection desk and arranged for the RAC to come to my property the following week to inspect my car, this was carried out and I was given a copy of the report and was told another copy would be generated and sent to welcome. 2 weeks later I still had not heard from the Walsall branch, I tried to contact the lady I had previously spoken to on a few occasions left messages and didn’t get call back. I was then contacted by a gentleman at the Tamworth branch, insisting that I pay my arrears and get up to date on the accounts, I informed him that I was dealing with the Walsall branch and that I had the inspection of the vehicle carried out and I was waiting for them to come back to me with regards to uplifting the vehicle. He had no information about this at all. Since then I have dealt with Manesh at the Tamworth branch (who refuses to give me his surname as does every other person I have spoken to at welcome.) He assured me that he would get the vehicle uplifted, which he has not done. I have been contacted again today by Manesh suggesting that “the voluntary termination desk have tried to contact me” which they haven’t. I took the number from him to contact them directly and got to speak to a man called Liam (who again refused to give me his surname) Liam said that I would have to arrange yet another RAC inspection to get the vehicle uplifted as Welcome Car Finance have no record of having this done, This was carried out a month ago. I tried to explain to Liam that this had been done and that I was not prepared to take more time off work unnecessarily. I then contacted Manesh again at the Tamworth branch of welcome to ask why they claimed that no inspection from the RAC had been done, he contacted the voluntary termination desk on behalf of me, the branch manager Zoe (again no surname) confessed to Manesh they have lost this document and can not uplift the vehicle without it. They have requested that I fax over my copy and they will then arrange to have the car uplifted. I understand that my letter is quite long winded but hope you can appreciate the trauma I have experienced simply trying to return a car that I can not afford to run let alone pay for, they require once I have sent the car back £6,119.98 & also £390.00 for scratches found from the RAC inspection. The vehicle has been sat outside my house since March 4 months I have tried and tried to resolve this matter and am still no further forward, the car now does not have tax either so I am having to keep it on my drive (yet more inconvenience!)