it took me all day to get them on to pdf's as im useless with computers so i will try and put them in a better case so they are better to view when i get home from work 2moz.thank you all for ur advise so far,i really wish i had come to you guys sooner.very gratefull..

you mite even be able to confirm what i have suprisingly been told.after visiting the branch manager of welcome finance, with the intentions of upping my payments to get rid of this agreement sooner...he kindly advised that the figures on the present agreement are wrong, and the agreement is void.he has told me to pursue this to the highest levels, and insists there is a very good chance the agreement could be written off.and the car would be mine, along with all payments made within this agreement.if someone would kindly look at the pdf's above and confirm this is true, i would be very gratefull.office of fair trading are on with this case without seeing the documents.so it must be a good case.i dont ever get luck like this.so iant counting my chickens.

have the pdf's been recieved?

hope it works this time present page 2.pdf original page 2.pdf original page 1.pdf present page 1.pdf

ok sorry, my computer skills are dier.

present and original. original dated 14/2/2008. present wasnt even signed by welcome.

ill try again, as u can barely see the scans

please view the last 2 posts.many thanx

present agreement

original agreement

page 1 of present agreement

This is the original agreement

i will get all the documents scanned on to the thread asap.both the original agreement, and the recent 1.thanks for all ur help so far.

on the 20/08/2008 but nothing on the agreement makes sense.especially when you compare the original 1 to the modified 1.

they rushed us through because we wer the last job of the day.i didnt check as they didnt advise me that this was happening.all they told me is that they have reduced the payments and the interest.stupid of me not to check, but they are suppose to be financial advisers and to be clear on what they are letting you in for.in total i would pay 15k. i jus dont understand the maths.

hi i do have the copy of the agreement, and ther was no ppi on it.ther mite have been to start with, but after 4 months i changed the agreement with them to reduce payments.that when they changed it to 120 months

ive just started one, welcome finance hire purchase agreement.

Hi, Hope someone can help me with my situation... I bought a car for £7995 14/2/2008 the repayments where £291.78 per month over 48 months, with a rediculous 32.4% apr. after making 4 payments i asked them to look at the agreement to see if they could get the payments down.so they dropped the interest to 12% and payments down to £129.80 little did i know that they had changed the term to 120 months! i asked for a settlement figure earlier, and they told me it was £8300. i didnt pay that 3 years ago and ive never missed a payment.the cars probably worth half of that, and im in serious negative equity.is ther anything i can do?? i really dont know where to start.my car will explode before this agreement is even half way through. hope some one can help me!

ok thanx very much for ur advice and help in gettin me the advice i need.

im new to this so how do i start my own thread? lol

welcome made the big mistake of taking me to there offices.so i will be on there door step 2moz with my agreement in hand.demanding answers.if they are having my trousers down, ill make sure it doesnt happen again.i dont know how they sleep at night! or how thewy can legally get away with this.an absolute outrage!

Hi the exact same thing has happened to me!! same amount same monthly repayments.over 10 years.i would pay 15k for a car thats not even worth 5k now. i didnt think there was anything that could be done!

thanx.im new to this.

Any help would be very much appreciated. i bought a car with welcome finance for £7995 nearly 3 years ago.i have paid £130 per month since then.i called them for a settlement figure and its £8300 how does that one work??? they told me i have a 10 year agreement!! i didnt sign for a 10 year agreement...the car will have probably blown up in no more than 2 years.do i have a leg to stand on with this? and can i get legal aid to pursue this matter further?? i really wish i hadn't gone with these registered con artists. many thanx craig