hi, i had an agreement with welcome for a £4000 car and with insurance`s etc (insurance made up around £6000) i had to pay back around £12000, after about 7-8 months i fell behind with my payments so they asked me to come into the office and sign an agreement to cancel the insurances and therefore reduce my monthly payments. i have been paying this new agreement for a year now and yesterday got a statement. after cancelling the insurance it turns out they have just boosted the loan for the car which they did not tell me about. for a £4000 car they want £9489.72 back at £112 a month for 7years!!! can they do this and what can i do? please help!