Car Finance Company Help !!!!

GaleSF63

I saw this in an Ebay description once -- "The car was in very good condition before the accident."

User_101122

the issue i have is that my car finance is with a well known car finance company that charges way to much interest and above.

Is that the same interest rate you agreed to when you borrowed their money to buy your car?

i took the car finance out over 60 months and paid a 1k deposit, as my car has been written off the engineer has written this of to a value of 8k less 1k disposal fee so leaving 7K return.
the only problem is that i called to get a settlement figure and they want 8.5k therefore a shortfall of 1.5k

Query the £1,000 disposal fee ask why you are being charged this? If you're not happy with the explanation make a formal complaint.

OK, so i can see this as i have paid half of the monies back and i have taken reasonable care of the goods then i can return the written of car back, as i HAVE taken reasonable care of the goods its the other party that has damaged the car and not me therefore i have fullfilled my obligations.

Are you on Drugs? The car has been written off...

i have paid more than enough for this car and its not my fault this has happen and why should i be out of pocket, especially as my wife and son was both injured in the car at the time.

You haven't paid back more than enough. You have paid back less than what you contractually agreed to pay when you took their money to buy a car, that is why you are being left with a shortfall. Yes it's not your fault there was an accident, but it isn't the finance company's fault either. This is why you have GAP insurance.