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problems paying car finance


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Hi can anyone give me some advice i pruchased a car on what i thought was hp back in july last year but have recently found out its a bill of sale i have no idea what this is as i certainly wasnt told this at acf, after putting £2000 down and making payments of £193 a mth, i have never missed a payment when sold this car they put on a warranty which came to another 2k which i cancelled, the car has been nothing but trouble in the last 4 weeks it has cost me £900 to get back on the road after calling acf to explain that i had only done 2000 miles in this car and didnt expect to having to pay out £900 in such a short period the guy informed me he was recording the conversation and told me when i drove of the forecourt i had no warranty with them,since taking this aggreement on i have lost my dad and so have been off work for the last 4 weeks and still signed off with depression i really cant afford to pay the car no more i have only received ssp which didnt even cover my rent this mth can i just return the car, would be very gratefull of any help on this

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Hello and Welcome, gerrie64.

 

I'll move this thread to the appropriate Forum, where hopefully you'll get some help.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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oh the little fleecers

 

who is this i bet we know the co.

with HP you will get a bill of sale too.

check their employer is not the witness, if he is, its invalid!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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the company was ACF and finance company is cygnet finance think they linked by what i can make out the salesman def never told me it was a bill of sale ive never heard of one of these before

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where would it tell me if it was a employer that witnessed it the only paperwork i have is what i got from the car show room and the only signature that is on the paperwork is mine

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if you have a bill of sale it must be witnessed

 

look up the bill of sale act

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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