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Tavmania

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I have the car as they are unable to repossess as I have paid over a 1/3.
They have threatened to take the car but I have pointed out to them to do their calculations.

I have looked on the agreement and it states that if I fall behind they have a right to default etc but does only 30% of a payment constitute as a falling behind.

I am an ex Welcome branch manager and we were not able to Default and terminate untill the customer was 60 days in arrears (200% of a payment).
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