Thanks that's what I thought, but am a bit curious to see what they want:p

Just to update, came home from work to find a message from welcome on answerphone asking for me to phone them asap. It wasn't the usual local office, so I am assuming they have our SAR and telephone harrassment letters and it is the compliance dept phoning. Should I be calling them back or not?

Just to update, letters sent yesterday and signed for today.

Thank you both for the letter templates will get them sent first thing this morning. Sorry for being a pain but should I be paying them today I usually pay by telephone using debit card?

Thanks will send that away in the morning. Payment is due now and should be phoning them tomorrow so should I be making this payment or do I stop paying while the dispute is ongoing? I'm expecting they will be phoning at some point tomorrow so should I mention that I am requesting the SAR and ask them to cease phone calls as I can't have them repeatedly phoning work as they have done in the past?

Thanks. Any help would be much appreciated. Could you send me the template and address please? Payment is due soon so should I pay this in the meantime or wait till I get my information?

I am looking for a bit of help with Welcome. Bought a car from them in 2006. Had a few problems with payments but sorted things out so that the monthly payments were reduced to £130 per month. They originally had a DD for payments and were instructed to take payments every 4 weeks on payday. They mucked this up continually by requesting payments on wrong dates thus incurring charges on bank account. As a result I cancelled the DD and made arrangements to pay them by debit card every 4 weeks. I did this without fail but kept receiving letters saying I was being charged £10 for phone calls. Phoned them up and was told this was due to them phoning to see when I would pay despite them receiving all payments every 4 weeks by card. Told them I wouldn't pay their charges when I was not in arrears. They said unless I set up a DD they would continue to phone me and charge me for it. This is obviously unacceptable so I requested an account statement. Ended up having to deal with all different Managers before I finally got my statement this week. Statement is absolutely riddled with charges which I can't understand. Maybe some of you guys on here can enlighten me please? * Telephone charges ( know what these are but want them refunded) * Fee assessment (all under a pound?) * Capitilisation (for all different amounts every few days?) * Outside call fee (£60, never had a home visit) * Letter fee * ADD HOC fee ( varying amount from £5 up to £100) All these fee add up to hundreds of pounds and mean my monthly payments are hardly making a dent in the balance. Obviously I want to dispute the fees so how do I go about this? I would actually prefer to hand the car back but the account is such a mess it is unclear how much I would owe them. So what is my first step with taking control of this account? I just want clear of this bully boy company. They have even been phoning my partners work to see when we will make payment before it is even due.