I had asked her not to cancel the finance until get advice if its a good idea but when l called her she told me she had called them and cancelled, which was the decision made by her and boyfriend, can she change her mind and ask the finance to revert the decision ?? and can they do that ?? or will she need to get finance again ? will they allow it though? they cancelled it this afternoon, midday, lm really sorry for being pain

I have spoke to my friend and apparently her boyfriend has told her to cancel the finance which she has done now lm trying to explain to her that the price is correct and that she would lose her deposit, either way what l have said is if she takes the car back she would lose £1000 anyway and if she kept the car she will still lose a £1000 anyway coz she is left to pay £6859.72 WHAT CAN SHE DO ??? BECAUSE THE FINANCE HAS BEEN CANCELLED AND IF SHE TOOK THE CAR AND THE GARAGE REFUSED WHAT WOULD THEY SAY AND DO?? REGARDING THE CAR WHAT CAN THE GARTAGE DO BECAUSE SHE HAS CANCELLED THE FINENCE AND NOW DONT KNOW IF THE GARAGE WILL DO WHEN TAKING THE CAR BACK

because she had thought the car was £7000 al in total she has phoned finance and they have said she can cancel the finance if she wanted , but my worry is if she cancels the finance can she take the car back to the dealer , is that possible ? will she be able to get her deposit back or partly her deposit back ?? obviously the car is almost a thousand pounds more than she budgeted for and she is wanting to return it and the garage is refusing saying she has to keep the car as she bought it , while the finance is saying she has 14 days what are the best options ? is there an option to this ?

I have attached the copy from the finance

Hi , everyone , lm really in need of advice my friend has bought a car through finance , the car was £6964 , reg 2007, 18500miles, 1.3 when she got it she was told the car was that price and they did not tell her there will be more to that yesterday she received a letter saying the charges for the car and this what she says on the letter she paid £1000 deposit so which means there is £5964 they have added £665.72 which they call hire purchase charge , £199 acceptance fee , purchase fee £31 I have added £5964+199+665.72+31 and came up with the total of =£6759 but the documents say the total is now =£7859 after adding the charges how come ?? The problem is the dealer said there was no extra charges over the £7000 fee he did not explain any extra charges, until my friend received documents from the finance company with these above extra charges should the finance not have rang her to confirm the cost before agreeing to pay the dealer , ? should she have not signed for these in person than for them to be sent in post with extra charges coming with them ? can she take the car back ? will she get her £1000 deposit ? she has drove the car from Sheffield were she bought it to Leeds were lives, and drove it once to York and back please help she is stressed

so if they are not credit and not covered by consumer credit act how do they get to put default on my credit , can l make them take it off ? or are they allowed to place it how do l deal with them , best way ? explain to me in detail if they are not covered what does it mean for me or them have l got any way of getting out of it ,? to be honest l would have been happy paying the bill if someone had talked to me and sent me copies instead of being passed on and ignored , so l just thought l keep quite too thanx

l did not receive any letter stating that they have sold my account , l received lots of letters stating they need the money paid and obviously l ignored them because l thought l was being played, then received a letter from fredrickson saying they represent Lowell and they would like the money paid they will instruct bryan carter to take me to court it wasn't bryan carter who wrote the letter it was fredrickson they said they were representing Lowell, when l talked to o2 they said l dispute with them the charges but paying l pay Lowell that's when l stated wondering why am l paying Lowell instead of o2 l never paid my bill and asked them to cancel my contract then 4months after they did and sent me a bill up to then and including cancellation fee for me l know l owe about half of that with cancellation fee o2 says l dispute with them but pay Lowell my bill was for two months but lm charged for more, lm even charged internet that l never went over the limit no one sent me my bill even when l wanted it , please ask me what you want to know as lm not sure what else you would want to know thanx

please explain what do you mean phone accounts are not credit agreement regulated by CCA 1974

It is £541 For me l think it shouldn't be more than £320 that's including cancelation they final offered me after stringing me for months and charging me for phone that was disconnected

l must be rubbish on this somehow l didn't see my messages , any way went to court for the parking ticket , and l had the emails that we exchange with the new buyer , also the copy from the text messages and exchange of my insurance from the old car to new car that l bought and , they said that was enough proof that the car wasn't mine anymore and they were going to write to the parking fine about it so l was free with DVLA they wanted a written letter from me with all the car details, the make, year , model and all that , put my signature and full name , state when l sold the car and explaining that you haven't received confirmation that the car is no longer yours or if you have bought the car and not yet received it that will mean you will put the date you bought it it worked they took me off the car as registered keeper at the end l was a happy bunny and not forgetting l learnt a lesson, thought to reply in case someone get into similar situation

please help , l desputed my bill with o2 beginning of last year and they sold my debt to Lowell , l didn't receive any warnings about this except getting letters that l owe Lowell, neither did l get a default and cancelation fee which l asked for in the first place when my phone was disconnected, I have received a letter from fredrickson saying they are representing Lowell and they need me to pay or send me to court through bryan carter l contacted o2 they told me the bill was correct and still lm disputing it , they then tell me if lm disputing the bill l call them but for paying for the bill l pay Lowell, am l right in thinking this bill doesn't belong to o2 anymore as they have said l pay it to Lowell I am l eligible in paying the bill bearing in mind l already have a default in my credit file, can bryan carter take me to court for this, ? I haven't paid them a penny and have not responded to Lowell's letters except when l received this one last week from fredrickson saying if l don't pay they will instruct bryan carter their solicitors l then contacted o2 to find out why they had sold my bill and that l was still not agreeing with the charges and no one seemed to want to help me how is Lowell, fredrickson, bryan carter related as l am not getting how this is becoming a string here is the ;letter l wrote to fredrickson this letter Dear Fredrickson, Accountno: (number) You havecontacted me regarding the account with the above reference number, which youclaim is owed by myself. I wouldpoint out that I have no knowledge of any such debt being owed to lowell. I am familiarwith the Office of Fair Trading Debt Collection Guidance which states that itunfair to send demands for payment to an individual when it is uncertain thatthey are the debtor in question. I wouldalso point out that the OFT says under the Guidance that it is unfair to pursuethird parties for payment when they are not liable. In not ceasing collectionactivity whilst investigating a reasonably queried or disputed debt you areusing deceptive/and or unfair methods. Furthermoreignoring and/or disregarding claims that debts have been settled or aredisputed and continuing to make unjustified demands for payment amounts tophysical/psychological harassment. I wouldask that no further contact be made concerning the above account unless you canprovide evidence as to my liability for the debt in question. I awaityour written confirmation that this matter is now closed. Otherwise I will haveno option but to make a complaint to the trading standards department andconsider informing the OFT of your actions. I/we lookforward to your reply. Yourssincerely, was this right ? but whats next ? can they still come back with something l cant handle ? please help me to deal with these people

Please let me know how it goes as l have same issue, sold car two months ago , contacted dvla last week as l received parking fine, and they said to just send my details they didn't need new keeper , will they take me off as keeper of the car without the new keeper details , lm worried coz tax runs out on 30 April and the buyer is not responding my texts and mails , can l use the reminder tax disc to sorn the car Im confused

Sold a car on 13 th february , Sent part of v5 to seller and the rest to dvla Got a parking fine last week and contacted dvla lm still the keeper Don't have new keeper addresss only contact numbers and not responding Dvla says to send my details and when l sold the car Will they take me off as registered keeper without the new owners details I'm panicking Tax runs out 30/4/2013 what if they can't tax it Should l sorn the car if l receive the tax reminder As the new keeper is not cooperating at all