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  1. hi! I had a vehicle finance agreement taken out in 2017 with a car dealership in Manchester, the finance company are Motonovo. The rough figures were £8000 for the vehicle and very high APR meaning the total of credit was almost £12,000. I lost my job in 2018, and was unable to keep up repayments, the car was eventually repossessed in October 2018, I dealt with this amicably, as I had no job and no real reason to have the car anyway. There was a Voluntary Termination clause in the agreement, which I had told Motonovo I would like to use, Motonovo are claiming "they did not hear from me" and thus they instructed agent recovery and cancelled the finance agreement. I do have quite a few emails which highlight the conversations, but nothing formal, at the time I was hugely worried about finances, and not sure what to do. When the car was taken away, I received a Vehicle Appraisal and Condition report from Ceatta Ltd, who marked all conditions as good. I've since received a demand from Motonovo Finance for £4398 which they say is an outstanding liability. I complained to them about the communication and said the outstanding sum is unfair bearing in mind previous discussions and the fact I no longer have the car, and have made almost 12 months of payments prior to it being repossessed. They have passed the debt to DWF LLP, who are now chasing me with letters and phone calls. As I am not employed, I just wonder what the best way to deal with DWF would be?? Obviously I'd rather not pay it - I'd even consider bankruptcy. What are my best options?
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