Hi, Not sure if anyone can advise me on this, but last year we got finance through Welcome for a car, and we were told that in 12 months we could exchange the car as part of the agreement, 12 months on, they are now saying that Welcome car finance is no longer trading, so they no longer have that deal, but our finance arrangement is with Welcome Finance, NOT Welcome Car Finance. Also I called up today to try and differ next months payment and they advised if we don't make the payment (due beginning of next month) then the full arrears of £500 would be due. Didn’t know we were in arrears by that much, I thought we only missed one payment since taking the loan out and that was at the beginning of the year when I changed my job. I asked for a statement and was told that would be £20.00. :mad:Any advise would be gratefully appreciated.