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car finance ??

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I desperately need any advice on the stupid situation we have got ourselves in,



last Saturday went along to a garage and picked a car and signed up to a 3 year finance deal !

the car wasn't ready so it was going to be delivered on the Wednesday ,



after we got home we got a call from my hubbys work explaining they have to cut his hours and they were no longer guaranteed ,

theres no chance we could any longer afford the car !!



we phoned them on the sunday and cancelled,

we also went down in person to explain and cancel,

we phoned to make sure on the Monday and Tuesday, and no car was delivered on Wednesday so we thought it was all sorted.


Now we have received our agreement in the post and they want us to collect the car,

and they now say theres no trace of our calls to them and theres no way we can just cancel,

and if we don't pay we will be going to court and we have to go up and take the car !!!


surely they cant do this, as we haven't even gained possession of the car,

they are not returning our calls either we don't no what to do


ay help would be great



thanks lisa

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You're right, they can't do this.


What garage is this?

A private garage or a well known one?


What did you actually sign on their premises?

Have a read of it and look for the 'cooling off period' which should be stated.


You can't go to court, and they sound like a shady bunch trying to blackmail you like this, if anyone will be going to court, it'll be them!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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you need to phone the finance company and cancel the agreement

you can do this upto 14 days.



who is the finance company ?

what type of agreement is it please?

is the car mentioned on the agreement?




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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