finance agreement

Malky

meesaw wrote: »

I drove to Audi Germany

Seriously???

meesaw wrote: »

In 2008 I stopped making payments

There, my friend, is where yourself and many others have fallen. Never ever stop paying until any issues are resolved.
No wonder your credit file is trashed.

meesaw

Malky yes seriously, it seemed the only way to resolve the problem.

i now realise i was wrong to stop making payment, but at the time i was 4 payments or so of paying off the full finance agreement and i thought once that had been done i would be stuck with a car. obviously i have learnt a lot from my ordeal so far

Emmzi

the bit where your annual gross salary was less than a year's loan repayments has me disbelieving you somewhat.

Anyway - if FOS say no go and the solicitor says it is not worth it the only way to repair your credit rating is to pay off the loan.

meesaw

Emmzi i still have my wage slips and contract with the call center i was working for at the time...i use to work part time 20 hours a week whilst studying full time. would be interesting to see what was put on the credit check... any idea if this can be retrieved!?!

Apples2

meesaw wrote: »

Emmzi i still have my wage slips and contract with the call center i was working for at the time...i use to work part time 20 hours a week whilst studying full time. would be interesting to see what was put on the credit check... any idea if this can be retrieved!?!

You're on a non starter if you are thinking of a complete mis-sell.

chanz4

car finance they dont tend to ask for salary

Emmzi

meesaw wrote: »

Emmzi i still have my wage slips and contract with the call center i was working for at the time...i use to work part time 20 hours a week whilst studying full time. would be interesting to see what was put on the credit check... any idea if this can be retrieved!?!

There would be no point.

You don't seem daft - how DID you pay it back each month? I am just curious.

meesaw

Emmzi . i was daft at the time. i paid each month as i had the money saved in my account ,hence, i wanted to pay cash when i went to the dealership, but the said this would be classed as money laundering and i needed to take out the finance agreement.

RichGold

chanz4 wrote: »

why didnt you ask for a respray then, strange that other cars have the same mark. on log books by the way it says the plane colour myn is metalic blue it says blue

Are you sure it wasn't just a big smudge on your glasses?

meesaw

i think my best and only option now is to draw a line on this and just pay them the out standing balance hoping they will rectify my credit file