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Hi all, I really need some help, not sure how to proceed.
So basically, I had an HP agreement with Specialist Motor Finance for 5 years, I decided to VT halfway through the agreement. Sent them a letter, met all legal requirements. Handed over the car at their collection center, used the appraisal app to confirm any wear & tear, took my pictures as a protection, never signed anything. They stopped taking any payments the same month (last August) and continued to mark my credit file as "payment taken". Last Friday I receive an email stating £600 pounds of repair charges that must be paid to settle the agreement. I replied, and said I do not accept the charges as the car was returned in good (average) condition (used legal beagles template). Today for my shock, I see a default mark on my credit file. No warning, no notice of arrears, no default notice, nothing, never missed a payment. They say, we will remove the default when you pay the £600 pounds. What can I do to sort this out? seems highly irregular to say the least. Thanks for your help.
So basically, I had an HP agreement with Specialist Motor Finance for 5 years, I decided to VT halfway through the agreement. Sent them a letter, met all legal requirements. Handed over the car at their collection center, used the appraisal app to confirm any wear & tear, took my pictures as a protection, never signed anything. They stopped taking any payments the same month (last August) and continued to mark my credit file as "payment taken". Last Friday I receive an email stating £600 pounds of repair charges that must be paid to settle the agreement. I replied, and said I do not accept the charges as the car was returned in good (average) condition (used legal beagles template). Today for my shock, I see a default mark on my credit file. No warning, no notice of arrears, no default notice, nothing, never missed a payment. They say, we will remove the default when you pay the £600 pounds. What can I do to sort this out? seems highly irregular to say the least. Thanks for your help.
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