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Bill of sale wit cynet finance

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I was wondering if anyone can give me advice,

i have a car on finance with ACF, funded by cynet fiancal, i have paid 17 months worth of payments totaling 5100 i have 7 month left which is 2100, this is on BILL OF SALE, i thought it was HP but was told its not by them, but yesterday the car broke down as result of flood damage (i live in devon) insurance wont cover and engine is flooded so car is a write off, i call cynet to explain this was told its my own fault we still have to pay 2100 for a car which book price is 1000 and not working, ask to lower payment was told no, missed one payment as they have no recorded of me changing payment date so got sent a £25 letter charge, they told me they will reprosses the car which is fine by me, but if they does anyone know if we can put outstanding amount on our debt managerment plan (debt managermen know we have car on finance) as im the only person working and supporting a family i know this is not ideal as i will still pay outstanding just can afford 300 a month for a car which is a write off,, which i cant scrap as i dont fully own it!!! i really stuck and everytime i speak to them they make me cry!!! by shouting, being aggressive and rude




Keeley :|

Edited by keyes

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