Sorry for the lack of responce been away for a few days. I have now done a HPI check on the car and it came back clear of finance. Its MOT is due soon and will cost a fortune, does this mean I can trade in for another car? Will this hamper my fight with welcome. I am willing to fight the debt collection co because of defective paperwork and lack of termination letter but can I still fight this if I no longer have the car. All advice welcome. Thanks

Only paperwork received was welcome booklet about mech insurance never anything from direct. The only thing I can think of why not lifting car is because i had paid more than a third?. Any ideas. Thanks

I am going to do an HPI check on the caron thursday when I get some money, if this shows clear of HP can I dispose of the car or would you advise against this. The MOT is due soon and will cost I think a small fortune. What would you recommend as even if I could still go downthe VT route I think they will sting me for all the repairs. What is best to do.

I was pushed into mech insurance by dealer but ppi never came up. The car thermostat died 5 weeks after buying car and needed about £1000 of work doing to it to get it back on road. Since then i have forked out another 2k keeping it on the road. I contacted welcome to claim on breakdown insurance but they told me that it wasnt covered. I complained but needed a car so paid for myself. Since then have been told the insurance is now void as i have done over 100k miles. I have all paperwork etc, but have never received a termination letter etc. I was looking forward to a fight with them but now I fear they have bypassed the repo route.

Yes insurance was with direct, will check whether in place or not. Does everything stack up though, faulty default, no termination notice etc. I have read other posts about chaising welcome, but this seems to be a new tactic by them.. Does this mean there is no form of redress for their errors etc. Is this the end of fighting welcome. Thanks

Im a litle confused because the total they are pursuing is for the balance at full term, so they are chaising for the 2 years of interest which is would be due if the loan went full term. Is this correct as if they received payment from me of the full amount now there should be an early settlement figure taking the interest into account. Sorry a bit dense when it comes to loan agreements etc. Should welcome inform me that the agreement has been terminated because at present I have no idea whether still in force or not. Thanks

Thanks but there is no reference to the car on the letter and we havnt signed anything. Will send details to bailiff. Thanks for your help.

We have some council tax arrears and the council has asigned this to a baillif. He called today when we were out and left a removal notice stating the sum owed and wrote under levy on it. He has never gain entry to our house and the car which is on HP still has 7k on it and is now worth about 2500. What does the under levy mean. He cant I assume create an imaginary levy on things by looking through the window or letterbox so what could this mean. Is it just another way of adding heavy costs to the debt? Any advice appreciated.

thanks for the info, yes the demand was for full payment. Does this mean the HP agreement may now be terminated. I took mechanical insurance with the car and they have never paid out on anything and now I have been told that the warranty does not cover vehicles over 100K miles so I am being charged for insurance which is no longer valid. Any advice on next step. Thanks

I forgot to mention no termination notice received. Thanks

I was made redundant recently and as you would imagine the repayments have come last compared to mortgage etc. They havnt been paid for a couple of months and sent through the obligatory default notice (with the same errors as everyone elses) they tried phoning a couple of times which I didnt answer, but I did however send them a letter offering 100 a month till i find new job. I have heard noting about the letter I sent but have now received a demand from lewis group. I have paid over a third and it is on HP. What happens now? does this mean that the HP agreement is void and they are chaising me for the cash or is the HP agreement still active?. The car has cost me about 3500 in the last year on repairs alone and I was hoping they would repo it but now this letter has arrived. Any help appreciated.

Yes completed budget sheet and sent to them with offer waiting to hear, received a response from them late yesterday " We write further to your email of today's date, the contents of which are duly noted. Please be aware that we have requested a statement of account from our client and once this is received we shall forwards this to you by post". If they have requested from endeavour and when they receive it will post to me, I cant see it arriving before the eviction date even though on our letter we said we needed before this friday. Thanks for your help. I have a scanner, fax and printer at home so fine with any format.

Yes completed budget sheet and sent to them with offer waiting to hear, received a response from them late yesterday " We write further to your email of today's date, the contents of which are duly noted. Please be aware that we have requested a statement of account from our client and once this is received we shall forwards this to you by post". If they have requested from endeavour and when they receive it will post to me, I cant see it arriving before the eviction date even though on our letter we said we needed before this friday. Thanks for your help. I have a scanner, fax and printer at home so fine with any format.

Hi All, I have downloaded an N244 form what should I put on it. Thanks

Hi All, I have downloaded an N244 form what should I put on it. Thanks