Hi we are now much further on. Convinced Webb to let us sell, paid off half off our loan to them and they agreed to convert the rest to unsecured as we are now renting. They are still being a pain, trying to get more out of us in monthly payment. Their communications between departments is appalling. They keep ringing us but don't respond to letters. So yes, definitely state your case for selling although if planning to buy they will want to transfer security. Good luck!

Finally received acknowledgement of voluntary termination. Wrongly trying to charge for settlement of insurance - the figures don't add up. Not included deposit in the figures for how much paid which is more than half. So the £650 they want on collection of car will have to be disputed. car to be collected in next 2 weeks by another company But my real question is now they have agreed to terminate should we have to pay any more while we wait for collection? DD due out tomorrow which we no way want to pay but only way I can cancel it now is if I ring the bank tonight and it still may be too late. If payment isn't made will they turn round and say we defaulted? Letter arrived today so makes me think they have done it on purpose to get an extra payment Any one have info advice on settlement disputes or further payment while awaiting collection. Thanks

Webb have written back to me after I told them we won't pay by direct debit anymore and we need their payment info to pay by bank transfer. They have still sent no info to pay them except to say we can ring and pay by debit card - NO or send a cheque - NO as don't have a cheque book. Told them in financial difficulties and need to make a payment arrangement - no response. Also told them to cancel PPI and they want to make us aware of the implications for this before they go ahead. I think we may know this! So now I have to write to them again repeating the same info! Anyone know how I can get hold of the payment info for these jokers? We are also going to be reclaiming PPI which I haven't informed them. Will this and an application for CCJ from the lovely Howard Cohen solicitors who won't accept the payment plan from the CCCS. I despair and wonder when the gov are going to take action in stopping some of the ridiculous practices that are being allowed to continue

I have been told on another forum that they do this to make it formal. Then they have more clout if they have any problems getting the money in the future. So yeah, they accept the same amount of monthly payment through the CCJ as they did when it was informal and just skank extra costs from people that can't pay anyway. I have a DMP with CCCS who have been paying a creditor regularly on my behalf and yet I received court claim papers on Thursday : (

Just written to Webb to tell them we can't afford our monthly payments and need to agree a reduced payment. Currently pay £512 a month on top of a £350 a month mortgage on a house that is now worth about 115000 if we are lucky - at it's peak worth about 130k Cancelled the DD which has upset them already but told them if they give me their bank details I will pay them by direct transfer. That way the ball is my court : ) Surely the gov will have to do something soon to get the housing market sorted? We could try and sell and see if Webb will accept about 20k less. Please picture/webb people keep posting!

We are in the same boat with the Picture/Webb transfer. Cancelled the DD a few days ago as going to struggle to make full payment this month. Anyone pay them other than by DD? They have got very upset about it and written saying it's a requirement of the loan - how can they enforce a DD? In future I want to pay them by bank transfer so I can control what I send when, at least that way we can actually live! They wouldn't get their money back if they repossessed as our house value has dropped - surprise! I am going to cancel PPI and put in a claim with FSCS too so any info on that or anything to do with these rogues would be good. Thanks