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Hello,
I am after some advice regarding my car.
I purchased a vehicle from Startline Motor Finance in December 2015 on a HP agreement.
We fell behind with some arrears around a year ago when I went on maternity leave but those were cleared shortly after.
After researching last week what options we had, we decided to go down the voluntary termination route and used a template from this site. They have since rang me to say that I am unable to do this because when I had the arrears they terminated my agreement. I had absolutely no idea I have had no paperwork. They said they sent out the letter in April 2017 but I haven’t received this. I keep and file everything, I am extremely organised! But I don’t have this letter. They’ve never mentioned it to me on the phone either, till now.
I asked what replaced my original agreement then as I assume I need to be in one, but they said nothing so as it stands I’m not in any agreement with them but I still have and am paying for the car. They advised that therefore, there is no agreement to terminate and I can’t give back the car, I must voluntary surrender the car. I asked why I have been paying for a car for a further year that you terminated and she then told me that in April 2017 Head office decided to carry on my agreement out of good faith as I came to a payment plan to clear the arrears. So I said that the agreement was still in place then and therefore I can terminate and all I got was a simple “No.”
I don’t know whether they can do what they have said they can do, whether I’m being fobbed off or if I have any rights to continue with the voluntary termination?
Any advice would be gratefully received. Thank you!
I am after some advice regarding my car.
I purchased a vehicle from Startline Motor Finance in December 2015 on a HP agreement.
We fell behind with some arrears around a year ago when I went on maternity leave but those were cleared shortly after.
After researching last week what options we had, we decided to go down the voluntary termination route and used a template from this site. They have since rang me to say that I am unable to do this because when I had the arrears they terminated my agreement. I had absolutely no idea I have had no paperwork. They said they sent out the letter in April 2017 but I haven’t received this. I keep and file everything, I am extremely organised! But I don’t have this letter. They’ve never mentioned it to me on the phone either, till now.
I asked what replaced my original agreement then as I assume I need to be in one, but they said nothing so as it stands I’m not in any agreement with them but I still have and am paying for the car. They advised that therefore, there is no agreement to terminate and I can’t give back the car, I must voluntary surrender the car. I asked why I have been paying for a car for a further year that you terminated and she then told me that in April 2017 Head office decided to carry on my agreement out of good faith as I came to a payment plan to clear the arrears. So I said that the agreement was still in place then and therefore I can terminate and all I got was a simple “No.”
I don’t know whether they can do what they have said they can do, whether I’m being fobbed off or if I have any rights to continue with the voluntary termination?
Any advice would be gratefully received. Thank you!
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