I bought it new from Citroen, I have a full service history and a list of repairs both warranty and out of warranty

Well i just dont know what do I do, I have a 2004 C8 , I picked the vehicle up from my garage on saturday after some normal repairs, £800 lighter, I have had a string of problems with this car from day 1, on monday the cambelt went and I am looking at a £5,000 min repair, Citroen say they reccomend replacement at 100,000 - my car has done 80k, I have £4000 outstanding with Citroen finance - i feel like not paying for it anymore, I need some help - HELP!!!!, do i have any chance of recourse via Citroen?

Thanks for that, I will send it, this is for the remaining balance on a car lease from back in 2004, three sets od DCA's have had a go at me over it, I sent the car back because i couldnt pay for it, it was mint and they sold it for trade price etc. - have you had problems like this before

Guess, What Had a Final Notice Letter frm Mac Hall, no agreement in it, they say their instruction over rides any previous instructions that may have been issued to other agents. The amount outstanding doesnt show any amounts paid to either AIM or Close the previous companies used by Black Horse

No, it has been in the hands of three so far, Close, AIM and now Mackenzie Hall, sll stroppy, all threatening, AIM and close failed to provide agreeemtn, I have just requested the same from Mackenzie Hall

Hi folks I have two DCa's chasing the same debt, what can I do, first one is AIM, who have gone quiet, and now Mackenzie Hall, is this normal??

Hi folks I have two DCa's chasing the same debt, what can I do, first one is AIM, who have gone quiet, and now Mackenzie Hall, is this normal??

Ive had a letter in reply to my dispute letter from Dg and it goes like this, please provide us with any supporting documents you may have so that we may investigate your query. please be advised that it is the responsibility of the policy holder to make a claim with the insurance company direct. we shall hold this matter in abeyance for ten days pending receipt of the above. I have already sent them, original managed loan agreement with protection, and second managed loan agreemnt with no protection. what next do you reckon folks regards elevated

Thanks Pete, I am compiling a letter with a copy of the original managed loan agreement with the protection on it and the newer one with it removed?

Hi I sent MCA a letter saying that I think the managed loan had been missold as I had protection on the first managed loan, they changed it to one that didnt have protection, I have today had a first letter (7day) from DG Solicitors What should I do now???

Hi, Just had the following letter from Metropolitan, I dont understand it and seek help chaps. Dear:::: Thank you for your letter dated 27th September 2007 Please find enclosed copy loan agreement, in respect of account number xxxxxxxxxxx as requeted. We have returned your cheque for £1.00 as there is no fee required for this information. With reference to your HSBC bank account xxxxxxx we should advise that section 78 of the consumer credit act 1974 (the act) does not apply to current accounts. The current account is not a regulated agreement because it provides no credit. The overdraft agreement provides the credit and this sits separately from the current account agreement. Credit agreements normally have to comply with Part V of the consumer credit act 1974. Part V coverts the form and contents of agreements, signing of agreements and duty to supply copies of unexecuted agreements. However, current account overdrafts are given a specific exemption from all the part V formality requirements by section 74(1) (b) of the act. This exemption applies only when the OFT grant a determination under section 74(3) and this was given for overdrafts on 21 December 1989. The consequence of this is that there is no executed agreement for a current account overdraft and so section 78 (right to demand copy of excecuted agreement) does not apply. We trust this resolves your query. The agreement they have enclosed signed by me on the 5/12/05 is a fixed-sum loan agreement regulated by the consumer credit act 1974 HELP

I am privy to an email that has been sent out, basically saying although they mean me no harm, I was not any good at this and that, I would hate to have to use this email as it was forwarded to me by a friend, I am at a loss i think

It was originally but as they kindly pointed out I wasnt able to pay the payments I could not claim.

thanks for that

Thanks Loz, a way out is exactly what I want but the protection was withdrawn when it was changed to a managed loan