now heres a thought If we can find enough people with problems when they try to VT to Welcome we could bring a coletive court case against them Cheaper for all of us and more chance of winning the case

you you are quiet right You can VT at any point during the life of the agrement. however They can and will reclaim any missing payments and you would be liable for the money up to the value stated on your contract under your rights to terminate(the latter will not apply to you if you have had the car over 2 years) If like me and many others, Welcome will not put in writing that they will not let you VTthis can make it difficult to claim that the policy has been misreperesnted or missold in the first place let us know how you get on Discarnet

I think you are lucky to get that far, I have a car from Welcome that i tried to VS and was completly ignored, on my third letter they phoned me to say i could not VS the car as i hadnt paid enough (the amounts stated on the finance forms are wrong), further cominication with them resulted that i could not return the car as there was 1 months payment missing. I origanly tried to return the car after 3 months as a lemon as engine managment had a serious fault all brakes are shot the gearbox expolded after 4 weeks and the car spent most of the first 3 months on the back of a tow truck (including twice the day i bought the car) I still have the car in the garage the car is unsafe to drive and has been for 3 years, i havent paid them for 2 years, and i am preparing court papers . I owe £6000 they offered final setlement for £1,200 I very politly told them where to stick the offer. After that they are now trying to reclaim the full amount via debt collectors welcome have a history of things like this and you may find this website of some use i know i have www.saynotoyes.co.uk set up to close yes car credit (and sucseeded) they are now moving on to other firms like welcome and direct car finance Discarnet