Thread: help help with first response finance

we got a car on finance with first response in november last year we got told to take out PPI and gap or wouldnt get the finance so we did so we r paying £264 per month 2 months ago we were sent a letter from the c.s.a asking for £528.00 per month for 2 teenage children with my husbands ex so that has left us with not being able to pay for the car we rang first responce last month and asked them to reduce our payments they said not a problem they will be £132 and we will send you the paperwork through we paid the £132 payment and next thing we were being sent default notices we rang them and they said ignore them its normal because you are lowering your payments!!!!! they said they will send out our new agreement still never recieved a agreement just another default notice so my husband rang again and asked to speak to a manager he said all the info we had been given was wrong because they THOUGHT we had the car for more than a year they WERE not going to lower our payments and this month they want us to pay £330 and the same next month to pay off the arrears left from last month we cant even afford the £264 never mind £330 is there ANYTHING i can do plz i am very worried cant sleep and very stressed ....p.s we purchased the car from approved car finance and they took our old car as £1000 deposit

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Just a quick thing. ACF took our car as £1000 deposit. But you can forget all about it as, if you look on the paperwork it is stted as they paid £0.01 for your car, or ours does anyway, when we were there they said something about it being about tax. So no such proof of it, except there website which says they give it.

Good like with FR, we have had alot of trouble, but we kept phoning everyday for the pat 6 weeks, and have finally won something back.

We also have problems with First Response Finance. My wife signed as a garantor for our son, unknown to myself. She also was told that he would not get finance unless she signed garantor. Emotional blackmail.
Our son lost his job and missed payments, the phone never stopped ringing for months with demands for full payments. Then there was the calls to her employer asking to speak to her and giving their company name (big giveaway as to why), also letter to her employer asking for detials of her employment, this dispite the Data Protection Act.
Half hidden inuendos about taking our home and sesure of assetts ect.
In short nasty and venomose company, with no compassion for the fact my wife has been very ill for over a year and has had to work reduced hours. NO! they must have their full pint of blood. Full payments of £220 mnth. We have been advised not to talk to them on the phone but to request all contact be made in writting by post so as to have written proof of what is said. Also to keep coppies of letters sent to them.
county court here we come!!