hi all, i had a car written off with the funding corporation about 3 mnths ago, and had no problems what so ever, the insurance company offered an amount for my car. it was undervalued by the insurance company. but i was assisted in every way through the whole process by a very helpful member of staff. My Gap insurance covered the shortfall in full and i had nothing further to pay, i also maintained my account as advised untill the insurance company and my finance company the funding corporation sorted it all out between them, all i did was sit back and relax. I am a little concerned that most of the people on this forum have in some way missed or stopped paying with the odd exception, which as my father (whos a solicitor) advises me is a breach of contract. and its not surprising that if you did stop paying them that they would have to take alternate action. I do think the apr on my deal was quite fair as well. i really cant see where some of you are coming from regarding the issues you have if you stop paying, you reap what you sow. :o