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hi all,

I need advice asap re my accounts with this company ... i have an account for an escort which I owe £255 in total as a final payment then i have an account for an astra owing thousands .... i am up to date with the astra although it has been very hard to keep up with both accounts and we have struggled to pay the monthly payments and our circumstances have changed since taking out the loan our final payment is substantually more than our agreed monthly payment and we were struggling then so you can imagine how difficult it is to find the final ammount ..... we have religiously paid the larger account even though at some points we have had virtually no income due to benefit changes after we got married ...we have told cygnet about our circumstances ...getting married and having no income etc and thought they were being quite resonable as it was only £255 left on the account they seemed to be acting pretty patient ...until today...I had a phone call saying that they would no longer be waiting for payment and when we pay the money for the astra they will take whatever was left on the escort from that placing the astra in arrears and if it stays in arrears the will reposess it ( knowing full well they cant reposess the escort ) I told him that surely this wasnt allowed due to it being 2 different accounts to which he said it was ...I then asked him to send a letter to inform me he was going to do this ....he refused saying as I couldnt be bothered to pay my account he couldnt be bothered ....(its not I cant be bothered its I cant financially afford to and I cant physically do it just had a c - section and sterilisation 2 weeks ago and im still recovering )!!! I explained this to the person on the phone and he just responded with the answer im still gonna take payment from the other account which is due tuesday .....I then asked him where in my contracts it stated that if we have multiple accounts they can deduct money from a different account to add to another in arrears ??? he refused to say adding that its not his place to show me.....Im just wondering if they are able to do it ....if not what to say to them.....any help will be appreciated as obviously I dont want to get into difficulty on the second car ..........sorry if I have waffled on i think it helps to give as much info as possible .....many thanks in advance for any help ...lesley

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