I rquested a VT of my Fiat aggrement as I had paid back more than 50% of the Total Credit due. They sent me a termination letter and I phoned to accept, but they are now trying to charge me because I had a payment holiday, which they have classed as arrears but I am paying this now as my payments increased to cover the payment holiday. Is this legal as this is not in my original contract.
Voluntary Termination of Car Finance
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