It sounds like many of you have had the same issues as I have.... I have had a welcome Car Finance HP deal almost 24months and wanting to change my car and get a better HP. They say I have no arrears on the loan but owe 2k (approximately) in PPI and Shortfall Insurances - which I believe I was missold. I have now paid over half the entire loan and to settle the loan would cost me 5k - which is way more than the car is worth, so my only option was to VT. They are taking their time to 'calculate' the exact figure, and while I wait I have looked at various companies that will enforce a claim for these unused, unnecessary PPI claims and get the whole lot rebated - with a 25% of total winnings fee. Has anyone done this before - and is it worth it - or can it simply be done by yourself. Also, does anyone know how I can avoid paying the addition insurance fees from termination onwards?? I simply cannot afford to continue paying Welcome car (£246 p/m) for insurances on a car I dont have anymore.... (They say I 'agreed' to pay £246 to welcome every month so even if I didnt have the car I would need to pay this amount until the insurances are cleared) Anoushka