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need advice on Welcome finance

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ok, I have some figures and peerhaps someone can tell me if i'm just wishingful thinking ;


£20k borrowed

£6,183 added on for ppi etc.


total amount (according to welcome of loan at start




£43,696 in interest.


divide this by 180 months

£242.75 per month.


x by 132 months (i'm being generous and giving them 6 months interest)



Total loan £69879.60

minus just interest on remaining years £32043


= £37836.60 (this includes me paying ppi)


Welcome received form me so far according to their statement :



£1800 too much?

and if you take off ppi at £3573.61


Total to pay =£34262.99


So Welcome owes me £5383.61?


So why are they still asking for another £8k???


Please feel free to tell me i'm wrong, it was a secured loan, house sold they took £28k, covered everything in3.5 years, I'd say they did pretty well?

They did try and convert extra into another loan, when i disputed letters over the phone she wanted me to come into the office and bring copies, I told her it's up to her to find copies....


Wouldn't go into the office and they are bad enough on the phones!!!


any thoughts

Edited by Hampshiregirl
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