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jooly35

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  1. Thanks for advice. No, I never missed a payment and paid 65% before vt. Did put it in writing, but didn't take any pics. The few things they reckon add up to £365 are there, but as I said, the car was 7 year old, you would expect to find a few scuffs on the bumper. I just feel they are trying to bully me into making some sort of payment. Feels like the girl in question is working on commission!
  2. Thanks, I can sleep tonight. Never been inthis situation before and am quite stressed.
  3. Hope someone can help advise me here. 4 months ago, I wrote to finance co. to terminate HP contract & return car. I had paid 65% but car was worth less than I owed even at early settlement. Having spent £2000 on repairs, I felt it was my only option at purchasing a new car. I never defaulted any payments. Finance co took 4 weeks to collect car from a local garage. They then started ringing me & asking for payment for damage to car. I pointed out that it was in very good condition, to which local garage agreed and I added that ariel was already broken when purchased and battery was flat as car had stood for 4 weeks. I had nothing in writing and hadn't heard anything for 4 months when I received a call to say that I owed £2200! After arguing the case I was promised an update. Receievd nothing for a few days, then a call asking for £365.00. I said that I disputed these charges and now felt harrassed by company. Caller said as measure of good will, they would drop payment to £200. I stood my ground to then receive threats that company would default me and give me a bad credit report. Wondered if anyone has experienced similar. Feel like just giving in, but don't believe that I should owe them money. Can they default me without my knowledge? Best regards y'all.
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