Was the loan secured on the house? I used to have a car loan via them but it was unsecured. I too lost my job ... all this was prior to having my house repossessed but I went to Citizens Advice Bureau who negotiated payments to Wellcome Finance of £1 per month. If you don`t get some advice or send them nothing, they may well attempt to take you to court for recovery. Go see CAB :)(posted 7360 days ago)I know absolutely nothing about what a repo order is, sorry!