Advice needed due to default after VT of car

[lillydog]

I sucssfully VT'd my HP car in May. I have a letter stating my balance liability owed t at VT was £0. However, Santander told me I owed them £105 refurbishemnt costs for the car. I had already commenced legal proceedings (County court in November) as the car was not fit for purpose when I purchased it. I informed Santander, the car had fair wear and tear on return and they dropped the amount to £70 (I recorded this call), I told them I had commenced court proceeding, which they was aware of, and they told me the balance would be put on hold until the court decided. I then recieved a letter from a company (DWF) stating I still owed £105, I rang them and told them it was £70 and it was at court. I checked my credit file and they have issued a default for June. I had no notice or warning letters! Does anyone know what I should do or can do to have this removed. The amount was less than half of my normal monthly payments and I lost £6500 on the car!!

[judgemental24]

Re: Advice needed due to default after VT of car

I an thinking Durkin v DSG retail

How old was the car when you purchased it??

[lillydog]

Re: Advice needed due to default after VT of car

4 years old, the court case is also against the car sales who we bought the car from in addition to Santander who provided the credit. But the default is just a new insult which I don't want to affect my credit rating, I have disputed it with them over the phone and in writing. I have also read that a default can not be issued for charges...the amount is not part of my payments but for alleged refurbishment fees, which I informed then during a call I recorded I was disputing in court in addition to trying to recover some of our losses on the car.