Hi all I am new to this and am I need of some advise
In 2008 I bought a car using welcome for the hire purchase, in september 2010 I contacted them and asked them to come and collect the car as I wanted to voluntary terminate the agreement as it said I could in the agreement (already paid more than 50o/o ) they tried to get out of it but finally took the car in November 2010.
In January 2011 I got a letter from them saying I owe them 3655, 4000 left on agreement minus money they got selling the car.
I wrote to them saying I didn't owe anything as car was voluntary terminated.
They then wrote back and said it was voluntary surrendered and I had to pay up.
Obviously I didn't
Now my wife and I want to buy our first home and can't get a mortgage because welcome put a default on credit file in December 2010.
Default was record before I received first letter with supposed outstanding balance and was not sent default notice, I have read that default notice has to be sent 28 days prior to default being recorded.
Need this default off of my file any ideas anyone
In 2008 I bought a car using welcome for the hire purchase, in september 2010 I contacted them and asked them to come and collect the car as I wanted to voluntary terminate the agreement as it said I could in the agreement (already paid more than 50o/o ) they tried to get out of it but finally took the car in November 2010.
In January 2011 I got a letter from them saying I owe them 3655, 4000 left on agreement minus money they got selling the car.
I wrote to them saying I didn't owe anything as car was voluntary terminated.
They then wrote back and said it was voluntary surrendered and I had to pay up.
Obviously I didn't
Now my wife and I want to buy our first home and can't get a mortgage because welcome put a default on credit file in December 2010.
Default was record before I received first letter with supposed outstanding balance and was not sent default notice, I have read that default notice has to be sent 28 days prior to default being recorded.
Need this default off of my file any ideas anyone
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