Hi, I am in need of some help. We took an HP agreement with Welcome finance back in 2008 for a Corsa. The value of the HP is £13, 438,76. We have so far paid £8114,79 with still £5323.83 still to pay. Back in 2009 I lost my job and Welcome finance received payments less than the monthly mount agreed - I also missed a number of payments resulting in £2300 arrears. Move forward to 2010 and our account was passed to the Inverness branch as the Perth branch was closed. We have since made our full payment each month (£279.83) I accept that it has not always been on the date agreed in the contract but it has been paid each month. We are now getting harrassing calls from Welcome saying that they need the payment made on the 20th of the Month as agreed. We cannot afford to pay on the 20th as we are living of Job Seekers allowance and child tax credit. I have explained to them that i can only pay at the end of the month and they say this is not suitable. They are now talking about doing a default and I worry that they are going to reposess the car. I have explained to them on numerous occasions that i can only pay at the end of the month. one of the account managers at welcome is constently calling us and pushing us into a corner to pay early... we have to agree to get him of our back knowing that the payment wont go through as we can only afford to pay at the end of the month as stated. Do you think they will default me and take the car. I am really worried. I am also sick of welcome trying to contact my family about this. my mother made 2 payments for me and now welcome want to speak to her. Help...this is driving me mad. what do i do to get them to accept my payment date. Thanks