Hi, The car was £18k with PPI and interest the total agreement came to around £25700 yikes!! I will check, but I am pretty sure its an HP Agreement I dont have it with me now. Default notices I really cant remember it was about 5 years ago, what would this mean if I did recieve one? Thanks

Hi, I have applied to all of my creditors for a copy of my CCA, the one that has taken 3 months to produce is Black Horse Finance. I am now dealing with Close Credit Management due to me not paying Black Horse as they had defaulted by not supplying a copy of my CCA..! But anyway I recieved this today from Close Consumer Credit its listed as a Hire Purchase agreement regulated by the credit consumer act but its over £25k so how can this be...? Can I push this back to Black Horse as they have misrepsented the agreement. The basis of this is I purchased a car in 2002 from a shall we say a pushy car supermarket and was there for 5 hours metally wearing me down..! So I purchased the car to get out of there office and slept on it and called the credit company first thing to use my cooling off period only to find as I signed it on premises that I could not cancel. I was 23 and had a £18k on finance I only earned £1000 pcm and simply couldn't afford it! I managed to keep payments up for over a year and a half and simply couldn't manage it anymore it was crippling me! I explained to Black Horse who promptly came round and took the car then they sold the car at auction leaving me with a £5000 difference! In the CCA I recieved the other day I cant find anything about making up the differnce (although it makes sence). I agreed with Black Horse to pay an amount per month to pay off the differnce but NO written agreement was ever made so I have no idea what interest I am paying or how long left I have to pay the loan over! They have now said they will take me to court and that I still owe £3k..? even though I have been paying £50 per month over the last 2005-2006 and £200 per month 2007-2008. What can I do as I thought if I was entering into credit agreement to pay the differnece of the vehicle and what was owed I would have to sign a clear credit agreement..? If you can let me know where I stand that would be great....!