Many thanks. FOS are still investigating so hopw all goes well.

Fab news for me and locked in garage at night! Thank you for your help, I hope FOS get this sorted and I hope other people in my circumstances with Welcome finance dont give up!

The car is on Private property

I am not willing to let them take the car without gaining a court order, but I am scared that they will and not even notify me that they plan to do this, if they do notify me I am willing to negotiate whilst my complaint with FOS is ongoing. I have told my local branch office that they need a court order and they agreed, but said they dont like to do this if its avoidable and i have not heard back from them? I hope FOS sort this matter out its getting me down. Many thanks for all your advice

I do not have this offer in writing no, the deadline for the FOS complaint is this week and they have not issued a final response to myself or FOS, so FOS will be now be persuing on my behalf. The arears at the time of the default notice was around £700. I would rather they took me to court at this stage as the actions they have taken in dealing with complaint since Oct 2009 are beyond belief and the whole thing stinks

In short in Oct 2007 I took out HP with Welcome finance for a car. I took out Mechanical Breakdown (MB) with this as the sales advisor stated that I would not be granted credit without this added on. The car fell into difficulties and we tried to claim on the MB on several occasions without any luck (when the problems with the car were covered in black and white in the policy) I logged a formal complaint with Welcome head office in Oct 2009 after the car failed its MOT. The complaint ran and ran and I was passed from pillar to post, I have ceased payments (current arears around £700) until a suitable resolution was made and the case is now with FOS. I have missed 4 payments and have been issued with a default notice followed by a termination letter and the balance is due in full, even though payments were held as the case was with FOS???? I have paid +5k off the £8000 starting balance and only have £3000 left to pay with 15 months on the term. I need help as they have threatened to take my car away and after paying 5k I am not giving up without a fight! Also, I changed my payment date a few months into the agreement to suit my pay date, this was agreed by them as fine and was done. Upon checking a recent statement they have added £12 per month as a late fee which is not in the terms and conditions anywhere and was never explained to me? I have therefore paid hundreds if not thousands in late fees, where this money has gone I have no idea but I am currently drafting a SAR (Subject Access Request) to them under the DPA act 1998 section 7 to find out why. They have also requested I sign a new contract but reluctant to do without legal advice first.

Hi - if I have fallen into arrears whilst a complaint is ongoing with Welcome finance which is currently being investigated by FOS, can Welcome apply for a court order to re posses my car? I have paid over a third of my term which is due to end next year

Hi I really need some help urgently. In short in Oct 2007 I took out HP with Welcome finance for a car. I took out Mechanical Breakdown (MB) with this as the sales advisor stated that I would not be granted credit without this added on. The car fell into difficulties and we tried to claim on the MB on several occasions without any luck. I logged a formal complaint with Welcome head office in Oct 2009 after the car failed its MOT. The complaint ran and ran and I was passed from pillar to post, I ceased payments until a suitable resolution was made and the case is now with the FOS. I have missed 4 payments and have been issued with a default notice followed by a termination letter and the balance is due in full, even tho pymts were held as the case was with FOS???? I have paid +5k off the £8830 starting balance and only have £3300 left to pay with 15 months on the term. I need help as they have threatend to take my car away and after pay 5k I am not giving up without a fight!