there is no termination figure due to it bein a bill of sale, on my copy of the agreement there is only my signature this is the one i got when i collected car i have had no other paperwork from them really dont understand any of it i honestly thought it was a hp sale i have never heard of a bill of sale

hi havent defaulted on this as yet the total financed was £4755 total payable was something like 9700 so i havent payed half the amount financed i have only had this car since july last year and still have over 3 yrs to pay.i called cygnet yesterday and expained my situation they said they would send me some paperwork so i could fill in send back with wage slips bank statements etc and see if they can reduce payments even if they reduce them i still can not afford to keep it due to the fact im off work and not sure when ill be fit enough to return they the said if i cant afford the new payment they will take the car 14 days after the miss payment in may and sell at auction and i will be left with the remainder of the full finance,on tues i called and asked for a copy of my bill of sale still not received it

i have so far paid £2000 deposit and paid up to date £1794 so in total £3794 plus £946 on repairs, ive been told is a bill off sale not a hp which i had never heard off till i looked it up on here so dont think i have any rights to just return it my only option is to stop payment next mt h and let them come take it i know im going to be left with a big bill out of it ive asked them for a copy of bill of sale but still not recieved as im under the understanding if its not stamped then it will be different. im under the understanding there is still £8200 left on this car to pay

i totaly agree with you im about to let them take my car as cant afford to get it mended no more im paying for a heap of scrap, im cutting my loses and letting them reposses it once ive missed a payment cant afford to keep it on the road with all the repair bills no help what so ever from either company that are joined together

hi its not witnessed on my copy i got when i left the car place only signature is mine ive had no other paperwork sent to me by them

where would it tell me if it was a employer that witnessed it the only paperwork i have is what i got from the car show room and the only signature that is on the paperwork is mine

the company was ACF and finance company is cygnet finance think they linked by what i can make out the salesman def never told me it was a bill of sale ive never heard of one of these before

Hi can anyone give me some advice i pruchased a car on what i thought was hp back in july last year but have recently found out its a bill of sale i have no idea what this is as i certainly wasnt told this at acf, after putting £2000 down and making payments of £193 a mth, i have never missed a payment when sold this car they put on a warranty which came to another 2k which i cancelled, the car has been nothing but trouble in the last 4 weeks it has cost me £900 to get back on the road after calling acf to explain that i had only done 2000 miles in this car and didnt expect to having to pay out £900 in such a short period the guy informed me he was recording the conversation and told me when i drove of the forecourt i had no warranty with them,since taking this aggreement on i have lost my dad and so have been off work for the last 4 weeks and still signed off with depression i really cant afford to pay the car no more i have only received ssp which didnt even cover my rent this mth can i just return the car, would be very gratefull of any help on this

hi can anyone give me som advice i got a car from acf in july last year i put down £2000 deposit and also up to date paid another £2000, i have had nothing but trouble with the car after only doing 2000 miles in it since i got it ive already had to pay out £700 for something on the automatic gearbox after calling acf i was told as i didnt take out the extended warrenty there is nothing they can do i have called them several times where they have been rude to me and very un helpfull after only doing another 22 miles since the gearbox problem my front springs have now gone on it i feel i am just throwing money away on a car that is no where near worth what ill be payin by the end of the 4 years, ive been off work for the last 3 weeks due to my dad passing away and i just dont have the money to get these springs done at a cost of £269 plus pay this mths payment does anyone no if i have any rights as i am sure after just 2000 miles the springs shouldnt just snap this would have shown up on the mot last july as being worn surely? apprieciate any help on this thanks