Welcome Finance are the most annoying company i have ever had to deal with, i have been in disspute with them for 2 and a half years in which the same time i have not made a single payment to them, lots of threats to take me to court but no real action, rang them didnt want to speak to me, so brill i now chase them and i meen buisness chasing. I got some legal advice...found the fair debt collection practices act and found out they have breached my contract of finance with 18 breaches of loan sharking and harrassment and physical abuse.....big no no, so im now taking them to a magistrates court to clear my credit file and debt and a sueing payment to me for the stress of chasing them, so began proceedings sent them letter...do not reply to me if you agree you have breached my contract of finance with these clear unlawful breaches by such a date to reply...guess what no reply sent them second letter telling them when court dates were, got a post dated letter from them for the first letter...great thing about this is royal mail stamp date on letter when letter processed letter post date dont match by far the date on stamp by royal mail, now got them in court for fraud aswel. the moral of the story is, thats how far and stupid welcome finance will go. there is an email address if you ring up and speak to the right people, personally send royal mail recorded letters nothing can be defrauded.