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Hi AlwaysOnTheGo Not much to add to the above, other than to say that personally I'd be inclined to keep the AYL correspondence in a folder rather than simply binning it. If you end up having to make formal complaints about their activity it will be useful to have this paperwork to hand as evidence....

Hi caprichos, Motorguy has given some great advice about liability. Just to add to that, I would highlight that when you Voluntarily Terminate a HP agreement, it has to be done in writing. If you did that then you would be liable for 50% of the agreement, minus the money paid to date (as already sai...

Hi Paullacey007 and welcome to MSE, I would also suggest you contact the liquidators as suggested and try and get some information off them in writing and keep hold of this for when you come to sell. As far as the interest is concerned, it will depend on whether it is contractual or statutory intere...

Hi Totzx and welcome to MSE, It sounds strange, I would suggest you start by checking your agreement to see if you can see any glaring problems. If not then give them a call back to get to the bottom of this. It could be one of many things, such as perhaps a page hasn't been signed and was missed in...

Hello there. This information is based around your finance being 'hire-purchase'. Please do check the credit agreement. There are two options. 1. Give the finance firm back the car. They will sell the vehicle (this could be at an auction) and deduct the sale proceeds from the total amount owing unde...

“ Hi thanks for replies i have just spoke to perfect homes again and asked to end the agreement she stated the only way this can be done is that i pay off the full balance.I asked again to return the laptop she said this can not be returned and they won't accept it. She said i have enough in ...

Hello there, The finance that Perfect Homes has given you is almost certainly going to be hire purchase. This means that they would actually owne the laptop until you have completed making the payments. If you would like to return it, there are generally two options: A) You can terminate your agreem...

Hello there. Given the information posted on the thread, I believe that there are three likely options here. 1) Negotiate reduced, affordable monthly payments towards the loan and keep the car. The offer of payment would be based upon a realistic and affordable amount. if your Auntie is in receipt o...

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