Cca/sar ???

[whirlybird]

Hi All

 

Just a bit of background. A couple of years ago i bought a car, paid half cash as deposit and agreed amount i could afford fo rest on credit. Due to change in circumstances i fell behind with payments (not helped by £25 late payment penalty each month).

Eventually i surrendered posession of car which was auctioned for a third of price i paid.

This allegedly left me with a balance of £600 to pay. After many threats from dca i agreed to let them take £12 pm via my debit card.

In the 18 months i have paid this money without ever receiving a receipt, no correspondance whatsoever from the company.

Yesterday i got a letter saying i was in arrears even though its another few days before payment was even due!

More disturbingly, after all this time my balance is showing £580 (which they require within nxt 7 days of course)!

 

Sorry this is so long winded but i dont know why i still owe so much and if i even owe this at all. At the time i was intimidated into agreeing the payment, still have no car and feel like ive been robbed blind.

 

Any ideas on nxt move would be greatly appreciated.

Thanks,

Whirly