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Hello there, Would be really grateful if anyone could offer some advice please regarding Welcome Finance. I Voluntary Terminated and agreement for vehicle finance back in February 2009, all above board paid more than 50%, they collected the car etc etc. They claimed i still owed £465.83 and they had "reduced" the agreement down to reflect this value. Since then i have had various battles with them regarding the outstanding balance they claim i owe which is for the balance on the Gap insurance and amounts charged for damaged on the car which was already there when i bought