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jenni
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had you paid up to the 2 year mark?

do you have any of the arrangement in writing eg them saying you could return the car?

have they stated what these arrears are for?

did you take out any of the insurances because you do realise you will have to still pay for these?

I would write to them and ask them to justify these arrears and put the account in dispute. then if a debt collectors do get in touch if you tell them the account is in dispute they probably will not proceed
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Help Needed Gone To Debt Collection · YES CAR CREDIT FORUM