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Bakedalasker
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Joanne, welcome to our forum.

Your final settlement should be the remaining balance minus the car value.

From your post I would suggest you do a Data Protection Act (DPA) request to DAF at Horsham. Feel free to use our template: -

http://z11.invisionfree.com/saynotoyes/ind...?showtopic=1684

I would also ask for a copy of any default notices, court summons in regards to the repossession of the car and proof of the car sale and its value.

Once we have this information then we shall see were we go from there.

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