Okay - I will do as you suggest. Thanks for all your help. Much appreciated. I will be back! lol! Thanks for a great site.

I will try to scan the credit agreement and load on to this page. W. F. are dodgy because they never write to me, just phone me. They will not confirm anything in writing and if I want to refinance the loan, I need to go down there in person, they wll not send me new credit agreement in post?! They are just dodgy. If I write and ask for copy of CCA and the other document you mentioned, what will this do? Buy me time? Can I just offer them a few hundred quid in full and final settlement of the loan or will they tell me to run and jump? Is there a rough guide as to how much they will accept as a full and final payment? The car has a dent in the side so its really not worth me continuing paying £183.00 a month for the next 18 months for. If I offer the car back to them or offer a cash sum full and final do you think they would consider? Thanks very much for your help.

Thanks for your help - yes I could hand the car back, but as I say, I dont have any other money to buy another car and I need it. Whats a CCA?? Sorry for being a bit slow?!?

No sorry - have already paid £5000.00 have £3000.00 left to pay! Does that make sense?

Hi This is my first thread! Hope someone can help! I have a car on finance with Welcome Finance and have had this agreement for almost 3 years. I Paid £1000.00 cash deposit and have been paying £183.21 a month. Unfortunately due to redundancy, credit crunch etc some of the payments in the last 6 months have been paid wither late or missed. There is currently £300.00 arrears (includes charges) I have read through my agreement and it states that after paying £3900.00, I can hand the car back and owe nothing. However I dont have any other money to buy a car and depend on the car for work. So this isnt really an option. I have 18 months left to run on the agreement. I have phoned them and explained and they have suggested lowering my monthly payment, but I need to sign a new credit agreement. I am extremely reluctant to do this, because they are awful to deal with and get quite nasty. What are my legal options? Should I just give car back? There is £3000.00 left to pay, car probably worth £800.00 today??! Please help! Thanks very much.