hi, yes we have paid over a third if the payments.

No we only owe that 38 pounds, i cant talk to them they just hang up on me all time, they are so rude. only letter i got is the one i received the day after they took the car, i have read threw the original agreement and it does state in there they have to give us 5 days notice before taking it which obviously they didnt. i will read that wannabes thread when i get 5 mins from kids, (i wish). thanks for your help.

oh and we paid 200 pound deposit to. and the finance started on the 7/11/09. first payment was for 250, and then 274.89 there after.

hi, i do not have a scanner available to scan this paperwork over to you, i can fax it through to you, if you can supply me with a fax number, i have read it over and over it mentions a few time that we have to have five days notice which we never got.

it is 100% hire purchase we still have the original paper work that we signed on the day of purchase, we did not take any ppi insurances with this car,

we were only 38.98 in arrears. but we were paying more than we should of been when we were paying 70 per week instead of 274.89 a month. we just found it easier to pay weekly at the time. the next payment is not due until the 12th june2011. for a full month.

the finance started november 09, the balance war initially for 13,839, we paid 274.89 per month, the letter that we received today stated that we still owe 8,755.49, we were paying it weekly for a while at 70 per week, have all receipts on our on-line banking.

hi, my mistake it is a hire purchase agreement, we have worked it out and we have paid more than a third and no we did not sign anything when they took the car, it was just a man with a pick-up truck, we received a letter from them this morning 1st june explaining that we are in breach of agreement and because we owed them 38 pound they were terminatting the contract then it said at the bottom of this letter that we had five days to respond to this but the car had already gone by this time, the letter was dated on the 29th may we got it the 1st june. jackie

Hi, no we did not get any letters or phone calls before they came for the car, the tow truck was at my door when i got home with the kids. the contract is for hire purchase over 4 years. jacqueline.

I have had a car from ACF financed with Cygnet, i have kept up to date with all the payments, i only owe them 38 pound to which they agreed that we would pay this friday 3rd june, they sent a tow truck to my house this morning and took the car, called them up and got a very NASTY man on the phone being very abusive to me, said if i didnt give them keys they would still take it anyway, they are now going to sell this car at auction and whatever is left over we have to pay them, what do i do, pls help.