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Hi, I have had a car on finance with welcome finance for 5 years,, after about 18 months I got into a bit of arrears and missed about 6 payments,, I finally sorted myself out and got back on track with my monthly payments of £180,, I then received a call from an advisor saying that if I upped my monthly payments to £200 this would remove any outstanding amounts for the rest of the time remaing on the finance, I did this and when the hire purchase should of finished I rang to make sure the balance was going to be settled only to be told that I still owed £1300, this was because I had arrears and that interest had been added to this for 3 years!!! Without them contacting me, and when they did they only asked me to raise my monthly payments to £200 ( an extra £20 a month),, I did queriy this and got in touch with the ombundce man and after about 8 weeks I had £300 removed,,,, but!!!! A couple of weeks ago I went to part exchange my car for a new one when the sales man asked if I had bought the car on finance I said yes and that the last payment would be paid before the new finance went through.......he said well mate I have just done an hpi check and it shows that the finance has been cleared and paid,,,he told me that he uses this service when part exchanging any car, he then told me to contact my finance company and find out what was going on,,,, I did this and they said they have done there check and there result shows there is still finance outstanding, I have a copy of both reports there's by experian and the sale and by hpi themselves,,,,,I decided to cancel the direct debit and have had nothing but phone calls constantly every day 4-5 times a day,,,today I received a letter saying that the wanted to know where the car was being kept and that I had 3 days to tell them, otherwise I was breaking an agreement,, what does this mean and if I only owe them 1 months money can they take the car back,,, also I only owed the £10500, and have paid nearly £12500 what with this extra interest they added and I have had enough, can I take them to court or do something just to give the snarly women on the Ned of the phone some of her own medicine, oh and I know they have gone bust welcome finance and they are desperate to get all the money owed but there taking the ****,,,, many thanks Jamie

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Hi Bigboy


I think it would be prudent of you to SAR Welcome in the first instance. A template copy can be found in the library on the site. You should then have all of the necessary information to tear them to shreds. In the meantime, it might pay you to write an official complaint and sent it in. As soon as 8 weeks have passed you can get the FOS involved.

:whoo:Debt Paid £9.99 - Unlawful Debt Removed £51.09 - Total Debt Busted £61.08:whoo:

SFUK vs Jacamo / JD Williams - WON

SFUK vs Vanquis Bank - Ongoing

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