The account itself is up to date and hasn't been defaulted on or payments missed for at least a year if not longer. When I had initial problems with paying, they told me that they'd tack the payment on at the end but never mentioned that they would charge interest on top of the interest! (or at least that's the way it came across when I went in to see them). I was hoping to claim back anything I can then was thinking of possibly doing a Voluntary Termination on my credit agreement but I see people have mentioned CCA's and I'm not sure what these are or whether that would be a better option?

Hi I took out a loan with Welcome Finance nearly 4 years ago, for £4k to buy a car. Since then, in order to increase or decrease payments, I've had to settle the debt and take out a new one (effectively - they did give this a name but I can't remember it). I had a statement through the other day saying that I still have £7.5k to pay back - after having paid it back for 4 years!! Also, when I missed payments they told me they'd stick it on the end of the debt but this has not happened and I've been charged a massive amount of interest! Has anyone fought Welcome Finance about unfairly trading, and if so how did they go about it, as I am struggling to to get a loan with anybody else (although my credit rating shouldn't be that bad, if it wasn't for a company messing me about but that's another story....) but don't want to be with Welcome anymore because they are a bunch of cowboys. I've managed to get myself out of debt by sheer hard work but want out of Welcome asap Please help me!