HELP!!....

Re; my previous posts about Wellcome finance. I have had nothing in writing telling me how much we owe etc, and last week the girl from the office came round, looked through my letter box 3 times, looked through the window, i didn't open the door, so she went,that was about 11am. I went to pick my children up from school, and i got to the bottom of the road where we live, and she was parked up in front of the opposite house across the street! i went into my neighbours house, and she followed me there, and knocked on the door and asked the bloke who's house it was wether she could speak to me! it's unprintable what he told her to do, to cut a long story short, i went out to her, and she asked me why i hadn't gone into the office with the £160-00 like i said i would, i told her i couldn't get it, and as she knew the situation, about my hubby not being in work, i didn't have that sort of money, etc, and she said if i could get it by friday 27-02-04, she could re-write the account, and give me a payment break, and they would chase me for the other 3months arrears. I managed to get the money from my parents, and phoned her to tell her,she asked me to give her an hour or so, as she had to clear it with head office, to make sure it was ok for me to pay that amount, she rang me back, and said head office had told her if i could make it to another £12-00 (which would be the full months payment in total) then the arrears would "go back into the loan" so if anyone ever did a credit check on us, they wouldn't show up. I took the £120-00 in on the friday, only because she assured me the arrears would go back into the loan, (and the default would be cancelled) then she said that in another 3 months she could get us a loan to clear the loan we have with them, as wellcome have just bought out "Dail for a loan" so in effect, they are still the same company. I then asked her to get me the copy of the original default notice which was supposed to have been sent to us in December 2003, and she said she will have to dig it out, we still haven't received it! Just before i left the office, she said her manager, had approved us for a consolidation with dail for a loan, and she was going to ring me up for me to go into the office to sort it out, but she hasn't, also i reminded her of the payment break she mentioned for march, (only until hubby gets sorted with a new job) and she backtracked on it, by saying that i would still need to pay the amount due in march which will be £288-00!!!!! I also told her that as she was sat outside my house, she was harrasing/stalking me, which is a criminal offence, and she then said that head office had rang one of my referee's to give me a message to get in touch with her, but it wasn't head office, it was her!! Do any of you here think, that if i went to court, i would have a case against wellcome, as to me, they haven't acted very proffesionally, ie; no written correspondence, looking through my letter box etc, sat outside my house, going to the neighbours?? i know this is a repossesion site, but our house is secured against this loan, so in effect, she reckons if i stall on my payments again, they can go for repo. any help greatly appreciated, thanks, Jane.

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