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Welcome Finance no end in sight


sickntired
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Hi!

I'm afraid in an act of desperation 7 years ago my husband and I took out a loan over 10 years with welcome finance secured to our property. Having paid £450 per month since I called last Friday for a settlement figure only to discover we still owe £19527, on top of having repaid £22187 already. I'm beyond disbelief and just feel as though it will never end, it must run over the 10 years.and this is including a £6000 rebate from the PPI. My husband and I both signed on separate days for the loan as work commitments prevented us from going together. Neither one of us recall such massive figures being quoted naive - yes I know we should have done the simple maths, we were just so desperate. As this is the situation we are in would it be unreasonable to suggest a drastically reduced settlement figure in full and final settlement? Has anyone had any success with this?

 

Sorry to sound like a sob story, I would just really appreciate any advice or here from anyone with any success in proposing lower settlement figures.

 

Thank you

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