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hi i need some advice on this as 2 years i gave my car back i didn't sign anything it was verbal over the phone so they collected the vehicle in 2016 and i didn't hear a thing until now ,
they want X amounts of money ,can they request this after such a long period of time and also what are my rights yes i gave the car back but if i would of known or understood about this VT then i could of had a final figure 2 years ago and probably would of paid some of the debt back .
so i have raised a complaint over this and ask them to look at the lowest amount i could of offered them over the 2 years and take off debt then ill make them an offer of repayment as they are at fault for not getting in touch with me over this .
i am just at a loss of what to do as its a large amount of money they are requesting .
do i go bankrupt ?
do i offer a repayment that suits me as i not in work and that was the reason i gave the car back as i lost my job .
they want X amounts of money ,can they request this after such a long period of time and also what are my rights yes i gave the car back but if i would of known or understood about this VT then i could of had a final figure 2 years ago and probably would of paid some of the debt back .
so i have raised a complaint over this and ask them to look at the lowest amount i could of offered them over the 2 years and take off debt then ill make them an offer of repayment as they are at fault for not getting in touch with me over this .
i am just at a loss of what to do as its a large amount of money they are requesting .
do i go bankrupt ?
do i offer a repayment that suits me as i not in work and that was the reason i gave the car back as i lost my job .
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