desparate for help - DLC nasties

[Pink Gin]

Hi, after reading loads and load of threads I am hoping someone can advise on a problem I have with a car finance

I returned car to a company called Direct Auto finance as wanted to replace the car with a better one. They gave me a final balance and instead of paying in full as it was high I decided to opt for something called voluntary termination.

 

I told I had to take out PPI or couldn't get the finance with them back in 2003.

 

I also believe I have loads of charges from letters and calls due to late payments which in fact made the final figure given to us much higher than what it should have been so might not have needed to give the car back. Since the car was handed back I immediately took another car finance with another comapny (no PPI!!!) and have not missed a single payment even though the amount is higher so I cn prove it wasn't given back due to financial difficulties

 

Can anyone advise I can do as DLC are chasing for what they say is a remaining unpaid balance which I dispute. These people are not nice to talk to and everytime I dispute things they just send me the same rubbish I already have.

 

Please can anyone help as I'm not getting anywhere with this.

[Guest wino]

Hi Pink Gin,

 

Have you got any paperwork from the finance company saying that they agree to the Voluntary Termination of your contract?

 

Who are DLC?

[Pink Gin]

Hi, I have the contract, but all the details regarding the VT were mainly by phone although on my balance statement which shows payments I have made it does show a voluntary surrender cost. I alos have copies of faxes regarding where the car was being collected from

 

DLC are Direct Legal Collections and they are not nice to deal with.

[Pink Gin]

I got advise from a local solictor but it will cost me about £7k if I want them to take action against Direct Auto finance (no legal aid) and of course there is no guarantee it would be in my favour.

 

Going round in circles.

[Pink Gin]

is this the best place ffor my thread? as no idea where it should go - too many choices!

[Guest wino]

There is another website designed especially for motoring problems. Try posting on there aswel it is called Pepipoo.

 

PePiTec

 

[Pink Gin]

thanks - not sure if that can help with this though as that seems to be for motoring offences but will look further.

 

i am trying to fu=ind out if anyone ever took this company to court and if yes what the outcome was buthave no idea where to start looking.

Any ideas anyone?

[Guest wino]

Just googled Direct Auto Finance and came up with this little gem. Hope it helps:)

 

 

Car Credit Complaints

[Pink Gin]

HI, thanks - have looked there and have been given some advise previously but it appears to be of a comparing site and is very quiet.

 

I cannot afford to take DAF to court although I'd like to as the legal costs are very expensiveand I guess there is no guarantee the court would see in my favour because I did have the car even though I would have kept it as the car I now pay for is an extra £50 a month so it wasn't due to not being able to pay - it was the whole thing of not owing anything after so the £3.5K would have been written off. the balance they say I owe is just over £1k which I can't work out how they came to that balance anyway. Had I been told PPI was optional I would not have taken it and also had the charges I had received for letters/phonecalls I would have challenged this to get a true balance. I'm not saying I should not pay any charges - but what classes as reasonable amounts?