Strange one- debt from a lease car

moneyspender1981

This maybe a bit of a tricky one.. so hoping someone can help

When i was 20 I had a good job and new to credit and made a right mess of things. which I'm pleased to say I have been paying through payplan and have managed to pay from 20k down to 11k I have settled a few things early by saving and working hard.

One of the things I have a real bug about is I was stupid enough to get a sport ocnvertible through Jam jar private lease cars. I paid on time every time after approx 10 months of having it I was in financial trouble and decided that measures needed to be taken to put this back on track. I called the car finanance company..Lombard vehicle management. Explained the situation and they said no problem we can collect the vehicle and you will ahve a fee to pay(approx700) it was alot but I thought for the best.

I arranged with them to pick the car up and even helped load it on the truck. Anyways a few months went by and nothing, then I got a court letter saying I had to pay lombard vehicle management over 3k plus £350.00 bayliffe charges for removing the vehicle.

Due to lack of knowledge at the time I thought that was final so have been paying £35.00 a month for along time and have paid of 1k. with still 2.5 k to pay.

I would like to try and sort this out now... but 4 years down the line. I wrote to the financial Ombudsman but they wrote back and said that lomard were not a member when the policy was taken out.

I feel I was completely duped over the phone. Why would I give the car back when I would end up paying for it anyways (or certainly a large amount) and Baliff charges. I arranged for them to pick it up.

Is there anyway I can escalate this, i.e a third party? has anyone else had similar situations.

I know I let myself down for paying it and not disputing it, was going through a difficult time - but certainly ready to take them on now.

I have asked them for a breakdown of the orignial agreement v what I owe etc....but obviously had no responce.

Any help much appreciated.

ltm07

Hi moneyspender,first of all well done for coming on here & well done on getting your debts down,that is a huge amount you have paid off. I can't really help you myself but I'm sure that there will be other good people who will be able to advise you,so please stick around. All the best!

moneyspender1981

thank you, much appreciated