Please can you look at the following and determine who is at fault... 1 A high street lender lent money at a high street rate 2 money was not paid back 3 you decided to borrow futher monies rather than saving up 4 you find that no high street lender will lend money 5 welcome offer you finance and you agree that you can afford and you are aware that there are x amount of payments, at this point you can walk away or work out how much you will pay back 6 you decide not to pay welcome back as its all their fault 7 ...........you moan that your credit file is ruined? For the record most wfs customers have numerous defaults prior and are still quids in on the money they have stollen from other finance companies