Hi, As you can see from my name im am in need of help!! I also have/had agreement with BCT and I surrendered my car thinking it would be better on my half doing so...obv not. I now have a default on my account and now they say I owe them £2534.30 or ther abouts due to them selling my car and getting X amount at auction. I have however read sction 90,91 of the 1974 Act but i dont understand it tooo well and if I am eligable. My total finance was £8,590.80 and I have paid £2,995.66 this is over a 1/3 of the agreement but i surrendered my car and it is logged as a repo on their books. Please can someone shed some light on this for me if possible. Thanks Will HEEELLPPPPPP!!!!

Hi, As you can see from my name im am in need of help!! I also have/had agreement with BCT and I surrendered my car thinking it would be better on my half doing so...obv not. I now have a default on my account and now they say I owe them £2534.30 or ther abouts due to them selling my car and getting X amount at auction. I have however read sction 90,91 of the 1974 Act but i dont understand it tooo well and if I am eligable. My total finance was £8,590.80 and I have paid £2,995.66 this is over a 1/3 of the agreement but i surrendered my car and it is logged as a repo on their books. Please can someone shed some light on this for me if possible. Thanks Will