Well well well....., Where do i start i had a car of welcome finance through an online broker called netcars (they never mentioned they were a broker), i chose my car over the phone a wanted a golf. they directed me to a garage and they had a golf waiting there just like the one i wanted ( i found out afterwards them doing me this privilege cost me nearly £100) and i didn't even ask for it. I was glad to get finance as i do have a less then perfect credit history so I'm really happy i might get this golf they said i was approved happy days. Anyway i chose the golf did the paperwork and was really chuffed they had did a "HPI? Service" at no extra charge. jumped in it and drove on home. About halfway home as i lived about 25 Miles away from the dealership i picked the car from, the oil light came on. i drove on as it flashed thinking maybe they just to top it up. so i got home waited for it to cool and checked the oil, THERE WAS NAFF ALL IN IT! Whilst walking back up the drive fist disbelieving what i was seeing i noticed the car had no road TAX! I Called the dealership and was told "Not our problem" and got the same from welcome finance. The next morning i called a mate and we went over the car this is what we found. 1. bold tyres 2. no road tax 3. no oil 4. no washer fluid 5. brake pads on Front NON EXISTENT And a few minor faults, wipers etc I did call them and tell them what i had found they got a little ****ty, i then explained i would not be paying them and for them to collect the car, or to put it right.I know maybe i should of spotted these faults at the dealership but it was dusk i has seen loads of pictures of the car and I'm sure it didn't look this bad. they refused to put it right and refused to pick the car up. so i left the car on my drive and didn't use it.a month or so down the line they called asking for payment when i explain to the Nice young man who had called me who obviously didn't know anything previous about my case, i explained why i was not paying them yet again!. He said he would call me back........he did but with an attitude! demand payment off me being very push and aggressive i couldn't believe it was the same guy! i hung up the phone. 22 Calls later i answered the phone again but that was to receive yet more abuse so i hung up, then the kind old chap left a voice mail saying "Mr Blackwell we know where you live and work so dont think we wont get you". I couldn't believe it! i later played it to workmates who couldn't believe it either (i didn't save the voicemail i wish i had!). a few days past then i got some sort of statement and letter saying the phone call to me cost me £25 which would be added to my account! and that they will be visiting my house this week and that will cost me £30. i was getting really angry by now dont get me wrong I'm not MR T but I'm a bigish bloke that works in security and i felt intimidated! i jumped in the car drove it to there office walked in threw they keys & docs at the guy who had called me and arranged this finance, turned around and walked out. i haven't herd from them since.......................Nearly 7 months ago All i can say is stay away from them! SHARKS! UNFAIR HITLERS OF THE FINANCE WORLD!