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British Credit trust

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Have decided to voluntarily end the agreement for my car loan.I have filled in the paperwork and they want me to deliver the car to Leeds or i will be charged £110 for them to collect the car.Plus i was told that if the car did not make its value at auction then i would be liable for the shortfall.In the contract it says if you have payed half the amount(which i have) and taken reasonable care of the goods,you will not have to pay any more.Does this apply to the above?

Thanks in advance.

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