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Bakedalasker
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Andy2708, welcome to our forum.

Reading your post I would say you are bound by the old agreement still. Not too sure if you have anything in writing regarding a new agreement but if you have not then I would say the old agreement is still alive.

Welcome have a reputation of getting you to sign a new agreement. This is usually because their old agreements are unenforceable. Not worth the paper they are written on. We can get it checked out for you if you like.

My fear for you here is that although you say you have paid one instalment of the new rate unless you have written proof of a new agreement offer they might chase you for the full remaining balance of the old agreement.

As you want to keep the car my advice to you is to write to them and find out where you stand. You need to get something in writing.

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