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Joint agreements...


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I have a weird problem

 

I took out vehicle finance with a company (no names yet if thats OK)

 

There were a few things I was not happy about and just before having it for 1 year the finance company agreed to take the vehicle off me and not chase me for any outstanding balance.

 

My questions is this

 

- They agreed to take the vehicle back and not chase anything outstanding, but my credit file is showing a default and £12k outstanding. This cant be right, surely?

 

- Also the finance agreement was a joint agreement with me and my partner, yet only I signed for it. Shouldn't it have to be signed by both parties to make it legally binding anyway, and as it wasn't signed by both then technically shouldn't go on my credit file at all?

 

Thanks in advance

Train hard...Fight easy

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get the finance co to removed the account

 

and seek compensation

 

if you have it in writing that they agreed to close the finance upon return of the car.

 

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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