Hi. First thread so bear with me! I took a loan for a vauxhall from a agrage thorugh Close Motor finance in aug 2006. Since being effectivley unemployed over the last year, the payments have been a little scattered, but im basically up to date. As I have now got a new job, I have started to try and sort out me finances, and I dug out my CCA and I was confused when i looked at it. It states that I put down a deposit of £980 and I never had any money to put down on it. as far as i beleived, i borrowed for the full amount of the car. Is this standard practice in the motor trade to falsify the credit agreement, or is it down to my fault as i didnt notice it at the time? The second problem is the charges. i must have racked up at least £500 in charges with them over the two year period. is there anything i can do about this? Does anyone have any results from dealing with them?

Thanks in anticipation!!!!!!!

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