Hi all, my first post, i know it a long one but i am realy needing help.
I took out a finance agreement with First Response Finance on 30/03/09 for a car. The car dealer who was acting as the agent for the finance company took my car as deposit (£250) so the finance on the car was for £3200. I collected the car 31/03/09 and everything was fine with the car. On 6/4/09 I was about to drive out of my driveway and a van parked behind me stopping my from driving anywhere, I got out of the car to ask them to move as I was on my way to work, they then said that they were collection agents for First Response Finance saying that they were collecting the car from me as the finance company believed that I had got the finance by deception as my job had changed, this was said in full view of people that were passing and a neighbours. I used the collection agents phone to ring the finance company and they said that they wanted the car back and that the finance would be fully cancelled. The finance company then wanted to talk to the collection agent and I was not allowed to talk to them anymore.
The collection agent then asked for the keys to the car and I refused, they then said that they were going to call the police and have me arrested for fraud, at this time I was scared and handed over the keys to the car. The next day I phoned First Response Finance to see what I could do but all they said was I had taken the finance out and I could write to them cancelling the agreement as they would not hand the car back. So I wrote to them cancelling my finance agreement within the 14 day cancelation period and sent it registered post.
I have checked my credit report this morning as I got an alert from Experian credit reference agency and First Response have opened a credit account for £6500, I have tried to ring them and all that they are saying is that I am going to have to pay the full balance and put the phone down on me. Since the car has been taken away I have not been able to work and now claiming Jobseekers Allowance, I am very upset over all of this and so is my wife who was the joint applicant. Can you please help me?
I took out a finance agreement with First Response Finance on 30/03/09 for a car. The car dealer who was acting as the agent for the finance company took my car as deposit (£250) so the finance on the car was for £3200. I collected the car 31/03/09 and everything was fine with the car. On 6/4/09 I was about to drive out of my driveway and a van parked behind me stopping my from driving anywhere, I got out of the car to ask them to move as I was on my way to work, they then said that they were collection agents for First Response Finance saying that they were collecting the car from me as the finance company believed that I had got the finance by deception as my job had changed, this was said in full view of people that were passing and a neighbours. I used the collection agents phone to ring the finance company and they said that they wanted the car back and that the finance would be fully cancelled. The finance company then wanted to talk to the collection agent and I was not allowed to talk to them anymore.
The collection agent then asked for the keys to the car and I refused, they then said that they were going to call the police and have me arrested for fraud, at this time I was scared and handed over the keys to the car. The next day I phoned First Response Finance to see what I could do but all they said was I had taken the finance out and I could write to them cancelling the agreement as they would not hand the car back. So I wrote to them cancelling my finance agreement within the 14 day cancelation period and sent it registered post.
I have checked my credit report this morning as I got an alert from Experian credit reference agency and First Response have opened a credit account for £6500, I have tried to ring them and all that they are saying is that I am going to have to pay the full balance and put the phone down on me. Since the car has been taken away I have not been able to work and now claiming Jobseekers Allowance, I am very upset over all of this and so is my wife who was the joint applicant. Can you please help me?