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car financing

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Old Jul 8th, 2008, 11:28 AM     #1
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Exclamation car financing

in october 2006 i wanted to get a car on finance, but was unable to due to damaged credit, the salesman asked if i new anyone who could go on the finance agreement with me, i asked my father who agreed. so we went and did the paperwork and my father signed for it and i picked it up on the 10th october 2006, now the sale receipt has my name on it and the finance has only my dad's name on it, when completing the paperwork i asked the salesman if my details would be required also and he said not at all, but i was told later that it should have been, anyway all was going well payments were being took by direct debit on the 11th of each month.

i missed a payment in december time as i am self employed and didn't get to the bank in time, from then on i always made sure the money was put in the bank on the 9/10th of each month, again things were going fine.

then it happened again i put the money into the bank as usual and the bank returned the direct debit and hit me with charges instead, resulting in finance company now going for repossesion.
i have emailed, phoned and written to them and even sent a cheque to cover one of the missed payments and even asked them to resume taking payments and that i woul pay the arrears either by debit card or cheque each month, but they have been totally ignorant to it.
when i rang them at 10:46am on 20th may 2008 they said they would send a form out for myself and my father to fill in and return, so that it would enable me to discuss and sort the situation out, but the form has never arrived.
it has now been handed over to another company who i spoke to on friday 4h july 2008, who have said they cannot discuss this with me as it is in my fathers name and that he has stated that he hasn't signed for this carat anytime.
i ave witnesses that he did also the salesman will confirm this too, all i want to do is sort this mess out and resume payments and pay all arrears off each month, but don't know how i stand, please help??
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