Oh well... Do I have a story about Welcome, Mine started when I was 19 just passed my test so really wanted a car I searched the net and found welcome ACF in fact sent my details and got a response. I was well paid about 20,000 a year and thought I could afforded car finance had no other debts. I went down to take a look at the cars on offer and got blagged into buying a corsa 1.9dti, with 5 days free insurance ... sounded good to me so signed the forms and went on my way. Did I have a shock when I got home and told my parents I looked closer with my DAD and noticed I now owed them 16000 for a dull corsa with 78000 miles on the clock lol I felt like a right dumb ass. So doing the right thing I kept up my payments £295 per month after 3 weeks the gearbox broke It took me forever to get it fixed under their mechanical fault insurance policy. Once done the clutch broke so I had to claim again I got to a stage where I threatened to drive it trough the showrooms window unless they fixed it “Shame on me” I also forgot to mention the insurance was a killer £190 per month I just saw my money burning up in my bank. So as you can imagine I got to a stage, being young were I thought enough is enough and stopped paying be honest what’s the worst they can do “Take the car back” hell I didn’t want it anyway I thought who cares “Remember I was 18-19 years old”.. So after about 3 months of non payment they called me trying the bully tactic I just laughed at them and told them were the car was and to collect it.. Nothing ever happened It was parked at the side of my mum’s house for two and a half years I even called them to chase them up about collecting it. I must have owed them plenty of money by now three years had passed and only about three payments made add to that fees and charges, if I remember right I was about £50 for a letter or something stupid like that. Now this is where my story gets really crazy I met a girl who is now married to my friend, at the time she worked for welcome as a debt collector and she told me she does anything to get the money she even got weed of a customer as payment and put the money in from herself as payment, this my friends lost me all respect for welcome she even bragged about how she took peoples cars and left them crying at their doors...... I know it’s her job but isn’t that what Hitler henchmen said after the war... Well the end of my story will have all you people who have been ripped off by welcome feeling a bit better.. I had the car disposed... of sent to china as scrap metal in the end I think ,then waited a year and checked my credit file and surprise surprise no debt not one entry from welcome my credit score is running at 934 at the min, I called welcome to ask about my account and they can’t find it I don’t exist in their computers... lol What are friends for eh.......