| Viewing Single Post From: Approved/cygnet Finance | |
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| lesley1978 | May 23 2007, 06:44 PM |
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Hi, New to forum and I would greatly appreciate your opinions/advice ......my ex partner and myself got a car off Approved car finance/cygnet at the apr rate of 72.3% which at no point prior to purchase were we made aware of .......Anyways I contacted them via letter in November My disabled son was having an eye op and was finding it difficult to pay so could it be refinanced or something ....They completely ignored this letter .....In January my partner and I seperated and it was decided that I have the car ( may I point out at this point I dont actually drive )Im also a single mum of seven one child is disabled .. I asked that the axa cover (£1600) be stopped as I dont want or need it on the contract it says i can do this at any point ...this still hasnt happened first requested in nov 06 ..... It is regarding my conversation with a representative from cygnet today that has distressed me the most......a week ago I was phoned to tell me that my payments were now £120 down from £188 and the first payment had to be there the end of the month which I agreed to and said I would try to pay it in two instalments on the 22nd and 29th and was told this is fine as long as its there for the end of the month.........Result !!! Or so I thought , today I recieved a notice of seizure .....I have little knowledge of the ammounts paid to date or ammount owing so shall be phoning tomorrow to request a statement of account including charges etc ....So upon recieving this notice of seizure I phoned them up .....I was put through to my accounts manager , she said that it was just to protect themselves incase I didnt pay ,which i accepted and asked if it would be inforced if I paid she said if we dont get payment by the 29th it would ....so I said ok I will pay the 29 th she said it has to be in BY then and it wouldnt clear ....so I asked if it was worth me paying .....to be met by a volley of abuse some of her little gems were " I dont believe you ll pay " " cygnet finance dont see the end of the month being the 29 th " " I believe you ve sold it " after i informed her actually she could view the car she said ok i ll come and look !!!! I informed her that she could check I havent sold it by contacting DVLA ......and at that point she said "no wonder your husband left you " .........then she said the manager will be contacting me and she d be reporting the car stolen ??? Anyway a few family members were visiting and like myself they were disgusted ( I popped the phone on speaker phone so they could hear how pleasent she wasnt ) My question is 1 )What can I do to either stop payments or carry on at reduced payments ...I cant afford to pay before the 29th .... 2) What can be done about the way I was spoken to......also Ive sent a e mail (letters disappear with cygnet ) at least i can prove i sent it etc I detailed the issues and informed that I would be seeking legal advice 3) the car is parked in my dads garage ( safer as its not being used ) do I have do disclose its whereabouts before I get legal advice 4).....also I wanted to cancell axa cover december how can i get this ammount removed from my account 5)Does anyone know if they record phone calls and if so how do I go about getting a copy ...I do have witnesses who heard the conversation but obviously a recorded conversation would be better ...........the thing is Im prepared to pay for a car I may never use as I signed the contract and having only recently seperated from a 6 year relationship and suffering depression ,due to this ,this womans comments were perticually hurtful |
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| Approved/cygnet Finance · Approved Car Finance | |
6:36 AM Nov 25
