car finace shortfall

[cloggyman]

Hi

Was wondering if anybody can give me some advice
Bought a car on finance over 48 months also took out shortfall protection incase of a accident and insurance wouldn't cover finance shortfall car was payed for and finished
11-1-2010 which i also presumed so was the shortfall cover so i stopped both direct debits
received a letter 2 months ago of lowell portfolio saying they had bought the debt of creation consumer finance and i still owed £713.04 i have a agreement of the garage were i bought the car saying it was over a 48month period same as the car and a credit agreement attached also so i asked lowell portfolio to give me proof of my agreement which i have just recieved and they have a different agreement to mine which i have signed but why would i buy a car over 48 months and still be paying finance shortfall for another 12months when the car is payed for have i been missold this and is there anything i can do any info would be appreciated

regards

cloggyman

[CleverClogs]

Re: car finace shortfall

Does the different agreement also bear your signature?

[cloggyman]

Re: car finace shortfall

yes and its a different company also

[CleverClogs]

Re: car finace shortfall

Does the signature exactly match your current signature rather than the way your signature would have looked at the time you are supposed to have signed it?

Did you sign your letter to Lowell Portfolio?

[cloggyman]

Re: car finace shortfall

Hi cleverclogs

No they have bought the debt of another company it is my signature on that document but they have requested that from the original company why wasnt i given a copy of that document my signature is proably diffrent now to then