Welcome Finance mess

Gonzo27

I am looking for a bit of help with Welcome. Bought a car from them in 2006. Had a few problems with payments but sorted things out so that the monthly payments were reduced to £130 per month. They originally had a DD for payments and were instructed to take payments every 4 weeks on payday. They mucked this up continually by requesting payments on wrong dates thus incurring charges on bank account. As a result I cancelled the DD and made arrangements to pay them by debit card every 4 weeks. I did this without fail but kept receiving letters saying I was being charged £10 for phone calls. Phoned them up and was told this was due to them phoning to see when I would pay despite them receiving all payments every 4 weeks by card. Told them I wouldn't pay their charges when I was not in arrears. They said unless I set up a DD they would continue to phone me and charge me for it. This is obviously unacceptable so I requested an account statement. Ended up having to deal with all different Managers before I finally got my statement.

To update in progress

S.A.R. sent 9/03/09
Telephone letter sent 9/03/09
Received letter from welcome to contact them (complaints)
3 messages on answer phone from welcome to contact them 11/03/09
Messages left on answer phone 13/03/09
Messages left on answer phone 16/03/09

Received S.A.R. 16th march 09
Writing and figures on it are so small that I can't see what they say.
Subject Access Request pack contents

Letter (uploaded)
Statement (uploaded)
Loan agreement front sheet x2
Loan application
Insurance suitability
Pages of Staff scripts
Credit agreement (uploaded)
Agreement modifying hp agreement (uploaded)
Demands and needs statement
Transcript (pages) not our transcript but Carol and Chris whoever they are (with phone numbers and contact address)
Telephone letter 2nd request sent 24/03/09
2nd S.A.R. sent request as first was incomplete/inaccurate account in dispute, sent 24/03/09
Checked Credit File as alert by email A significant balance change 24/03/09
Response to 2nd S.A.R. request received 30/03/09 they are looking into this.
Message on answer phone 02/04/09
Local branch phoned place of work demanding payment and we said they cannot request payment while the account is in dispute. He said that Welcome has resolved our complaint and that we are just avoiding payment which is utter nonsense, also threatened to turn up at my partners workplace today and has said he will be at our home at 6.30pm. 02/04/09
Letter from branch asking for payment 04/04/09
Telephone letter sent 3rd request 06/04/09
Letter from Branch to contact them overdue account 09/04/09
Letter sent to accounts manager at local branch 14/04/09
Letter sent to branch manager local branch 14/04/09
Voicemail left by local branch 14/04/09
Complaint submitted to information commissioner 14/04/09
Complaint submitted to fos 14/04/09

They have 4 days left to comply with my subject access request
where do we go from here?
any help would be appreciated