Sincere condolences to all Martins Family and Friends .Donation Done ,with pleasure. Best wishes.

Just to say have filled in and sent PPI Claim form via FSCS and had proof of posting. Have also recieved flurry of calls from local office trying to contact me, also had word from Previous employer that a" caller" claiming to be an "old friend" has been onto them fishing for info on me. This person has the same name as the WFS operative calling my mobile phone?!. Also now had a letter from WFS dated 24/1/12 " Failure Notice". .demanding payment of balance (£1543.60) immediately, also stating that this loan was secured on my home and i risk repossesion? But this was a HP Loan on a car, and i rent my home ? What is going on?? Any advice on how to deal with this sort of " Treatment", its quite intimidating to say the least.

Thank you for that kind sir. I have sent for and got SAR and am ploughing through it. Yes i did pay for PPI and Breakdown ins, and have been charged for lots of letters and stuff. Am waiting for PPi Claim Pack from WFS via FSCS, Will make sure i fill out form carefully. Do i need to make a claim for each type of "insurance" seperately perhaps? Also can i sell the car privately and send them the proceeds to help reduce balance, have had an offer for market value. Do i need their permission to sell? And yes i no longer take their calls, have cottoned onto that one earlier, thank you. I renegotiated lower payments by letter, i told them what i could legaly afford to pay, they accepted it, but have now cancelled it. Can i still make a new offer of payment even now. And will they be obliged to accept?. Gratefull thanks to all P.S. cannot post forms onto site dont have knowhow or correct gadgets, apologies.

Hallo folks, Am New to this forum thingy and in need of advice. Have problem with Welcome Finance. Took Hire Purechase Loan with them out on Car in 2008. Total Amount Payable £7450.80. Have paid £6132.00 Owing £1533.61. Have received default notice due to missed payments x3. Due to job loss etc. Renegotiated new payment scheme . But they have now cancelled this due to missed payment. I have Questions.. Can they take the car back without letting me know?? Can i sell the vehicle and send them the Balance to reduce the debt??..... I also wish to claim ppi sold on this loan, that comes to about £900. Have Had market valuation on vehicle , its worth approx £500. Any way i can sort this out by letter? Deadline on Default notice 16/1/12 If so, suggestions on how to word it would be appreciated. :| Many Thanks Deaddog11