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Well I stated to them to begin with that I could no longer afford the finance and they said that any termination would result in the car being repossessed.

I stated that the only way that this would happen is if they took the car and finished the finance as I had no way of paying it or the outstanding balance.


I stated that I no longer wanted the car due to the reliability issues and they could take it but only if it finished the finance.

I've been misled by the dealer, finance company and warranty provider who never even told me to speak to the finance company if the car had problems

- had I been aware of that I would have been straight on the phone to them.


Sorry if I'm a bit blunt I'm not feeling well at the moment due to emotional issues.

Edited by dx100uk

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hey no sweat, don't beat yourself up about this

as I said sadly these are kin to what moneybarn do to people.


pretty sure theres a stronger light shining at the end of the tunnel here than there was ...


were these conversations over the phone, writing or by email?

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


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.



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If possible could you post up the exact

wording of your email terminating your

agreement please







Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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