I will get on to the bank straight away and cancel the payment and also request chargeback , the deposit was made to the dealer. Yes it is an HP agreement that i am supposed to have, they sent me a pre contract information form before i went to get the car but no signatures requested. The pre contract credit information has the type of credit as: Credit Provided under the Hire Purchase Agreement. Should i inform them i am cancelling my direct debit ?

Hi, Thank you both. I have already sent them a 2 letters by email and also recorded delivery letting them know that i longer want the veichle. They say that they have logged the complaint but the they have the right to repair the car. This was before it became apparent that i did not sign the HP agreement. I paid a deposit of £300.00 by debit card

Hi, Thank you both. I have already sent them a 2 letters by email and also recorded delivery letting them know that i longer want the veichle. They say that they have logged the complaint but the they have the right to repair the car. This was before it became apparent that i did not sign the HP agreement. I paid a deposit of £300.00 by debit card.

I purchased a nissan micra 55 plate on the 26th Feb this year, on the 13th March it broke down. I took it to a local garage whom recommened taking it back! the timing gear chain is badly worn and a major oil leak and that did not just happen. The locking mechanism also started grinding I am in dispute with the finance company as i want to canel my agreement they dealer whom sold me the car has it at present..............After going through all the paperwork yesterday it came to mt attention that even though the finance company sent me the paperwork i did not sign it and at the dealers i signed 2 single pieces of paper only detailing the purchase of the car with the cars cost on it and that is all. I have written to the finance company asking them to send me the agreement with my signature on it, we shall see......they have not responsed, they usually respond immediatly. Anyway my first payment is due on Friday, do i cancel it or what? If i make this payment and do not have an agreement does this make it legally binding?