Hi Wannabe Yes, they really did say all of that!!! Glad I cheered you up with those little comments. I would really like to keep my car and am happy to continue paying them including extra for arrears and will make that payment on 25th. I presume if they accept this payment it then renders the termination null and void??? Did have a strange call from chap who said he was Progressive Finance asking if he could come and collect the car and I told him that no I will not be handing it over and I thought he was from CTR Recoveries. He was the guy who came to my door on Monday who said he was nothing to do with Welcome???? Think they are playing silly games again. Told him my car is in the garage and will have to get a court order. God, it's like being in a psychological debate quiz thingy!!!

Latest update. Had a call from Welcome this morning to ask when I will be taking car back in to which I replied I won't. She then said we will get repo guys to come and get it and I told her it was on my private drive and they can't. She then said they can take it off my drive. I told her no it's unlawful and she passed me to their very helpful, friendly manager (NOT) who said he will pay the repo guys to sit and watch me until I move it off the drive. I told him I would put it in the garage and he will have to get a court order to get it. He said "Well, that won't be happening, will it?" He then asked me when I will be making a payment? To an agreement that is terminated? I did actually say I would be paying when we get paid on 25th. He then said call us on 25th. It's a real nightmare if I can't use my car but I don't want to go somewhere and come out and find my car gone especially since I have young children!! What is my next move guys - any ideas?

Thanks for replies. I have done SAR and now wait for 40 days. Only worrying this is I really need my car and although it is on my drive I still need to drive it around various parts of town which means parking it on public roads. Will they follow me? Will make the usual monthly payment end of this month and see what happens.

Hi Cyril, I will send an SAR off today - that way it will all be a bit clearer in my mind. Wannabe - sorry I don't think I have a third on either agreement although definitely both together!! Thankfully, the recovery guys are actually really nice and don't like Welcome either (their words). They know they can't just take it from my drive and to be honest they wouldn't be able to unless they could drive it off as not only do I have a deep drive I also have a wall right across it! They would cause serious damage if they tried to get their lorry onto it. So, do I also quickly send off a Recission of Contract letter which I have seen Postgg advise some people to do. I want Welcome to know that I am not a pushover! My Default Notice is not number dated just 14 days. I have no insurances on this to claim back as I refused it thankfully.

Hi Wannabedebtfreesoon, Thanks for jumping in on this and for the fun and frivolity along the way - makes it all a bit less miserable to deal with, lol. To be honest, I haven't got a clue how much I paid on first agreement although probably a fair bit - was at least a couple years worth. Sorry, I am awful with money and paperwork - not my forte. I did actually wonder if we take the first agreement into account when calculating if paid a third or not. Would they include the overall figure in default notice or just the figure from current agreement? God, I hate this company and hate dealing with them - so cocky and even talking to their manager last week he got himself all twisted up!! Did mention to him that the law allows 2 working days for 1st class and 4 working days for 2nd class (thanks to CAG) and he said it is from the date of Default it is calculated - complete tosh. Also, told me that Recoveries Dept at Head Office didn't have an external email address - rubbish again. Aaaargh!! All help very much appreciated.

Hi Beyondhope, That was quick. Thank you. I do know they can't take it but this is Welcome and I do keep expecting to get up one morning and it be gone!. Do you know how long it takes for them to get a court order and if it can be challenged in court first? What I am trying to see is if I can send them a letter or something to put the ball back in their court. I have read through numerous threads and found a few templates but not sure they are relevant to me specifically. Don't want to send off the wrong thing with these guys.

Can anyone help with Welcome Finance please? Have a car with Welcome which I bought in September 2006 on HP Agreement. Original agreement was for 4 years but then they KINDLY offered to reduce my payments as I was struggling and redid the agreement for lower payments but over 10 years! I signed without actually looking at the terms. 2nd agreement does not have any date on it so can't remember when I did this. Anyhow, stuck to payments on new agreement and then fell behind a little, possibly 3 months. Then started paying again. Last couple months renaiged again as lost job. Got a default notice dated 16th July giving me 14 days to remedy - no number date just 14 days. Then got termination of contract letter dated 31st July sent 2nd class post. On Thursday, recovery guys came to get my car which is parked on my private drive diagonally so they can't actually get to it thankfully. Called Welcome to try and negotiate with them but they said no I need to pay full balance or at least full arrears which had gone up by a couple hundred. Told them I can't and they said well hand the car over. I said can't take it off private drive and they threatened court order to do so. I haven't paid over a third yet. I said I will bring the car back to them but now regret saying it after reading on here. What can I do? I can't lose my car as work nightshifts and need it for work and to get kids to school. Can anyone help please? I haven't got a lot of time.