Moneybarn Still after money after Voluntry Surrendor

westie666

1st post here in a while, so bare with me.

January last year my wife and I returned a car back to moneybarn under the Voluntry Surrendor section of the agreement (paid 1/2 term).
When we returned the car there was a couple of little bits of damage (odd scuff here and there), and we discussed that we forgot to have the car serviced (500 miles over service) .

After talking to the "rebranding/reselling" department, we agreed that only if repairs if they would add more value than the value of the car, then I would pay the repair.

Anyway, 4/5 months later they contacted me back and said I'm due then £480.
Breakdown was £95 for service and balance for repairs.
I asked for proof of repair, and they sent pics of a black car (no idea if it was mine)
I asked to see the car, they said it was still at the auction house if I wanted to see it (they hadn't managed to sell it in that time). I told Moneybarn I would go and see it that day.
Beleive it or no, they pulled it from sale that day, and the following day was delisted from SMA auction house, and tranferred to another auction house.

I heard nothing for 10 months (assumed that they bit the bullet and closed the account), when one Sunday afternoon we came back and a "field rep" had visited to duscuss the account!
After many fustrating calls, and asking Moneybarn to listen to the calls I had discussing payment for repairs, there was again silence.
2 weeks ago, I got a credit alert from a reference agency, Moneybarn account had been deleted from my file!

:TWOOHOO!!!!:T..............until today.......another missed call!

Is there something I am missing, or another corner I can fight from?

Thanks
W666

colino

Moneybarn as you are aware, even after their recent buy out are sub-prime financiers who are much more tenacious about getting their full value from agreements. You do have to talk to them and do have to get an agreement you are both happy with. The part about proof of repair is a red herring, they are entitled to get the value of a good condition return, whether it is realised by actually immaculating pre-sale or charging you the difference from what the car should have got compared to the condition you returned it in.
The most important thing is to talk to them and negotiate, you want to walk away from financers like this with clean hands.