Hello Stuart, thanks for coming back to me I made this agreement in January 2013 had handed the car for 6 months to them July 2013 gives the explanation “when returning the vehicle to us, we will get the net proceeds from the sale of the vehicle Deducing from unpaid balance” I have today estimated the car on the glass guide and the value of the dealership is US$5100 The “signed agreement” is only 2 pages none of which have borrowed a disclosure of the amount of the agreement, the full amount owed; Payment dates and amounts or miles or even information about the car or costs or mileage, the agreement has sections on safety /insurance of the car Missing payments – the account was not up to date Ombudsman FCA Section Right to the section section section early disbursement section right in the termination sections of 14 days You have the right to terminate this agreement, to do so, you should ask the person who makes you pay the goods, then be entitled to the return of the goods and half of the total amount to be paid under this agreement, which is $5931.18, if you have already paid at least that amount plus late payments and you have properly taken care of the goods that you do not need to pay other rest sections – your rights if you do not stand on your side of this agreement, but you must pay at least one third of the total amount of this agreement, which is USD 3954.12, we cannot withdraw them against your application unless we receive a court injunction. If we accept them without your consent or a court order, you have the right to recover your money under this agreement The 2nd page is only info which indicates that I confirm accepting the information as part of this agreement and confidentiality information There is no information on the terms actually agreed, i.e. payment interest, etc. and if their statement indicates that they will deduct the net result of the sale, I can argue this point? Also, they`re still trying to track $6118.12 in future repayments? but $6118.12 – $5931.18 – $1619.40 – $13,668.70, is that $1806.34 more than the original contract amount? This is clearly wrong I`m about to spend half the time in my agreement (just HP) when I have my next payment. I am trying to verify that after 30 months (out of 60), I am also halfway from a point of view, since that is what counts for VT. One thing that was noticed is that on the agreement, they paid the $500 down payment that I paid (“prepayment” in their lingo) on the “total amount”, the number that was halved to cancel the number they have in the T`s-C under my right. This goes against one of the comments above somewhere, but in any case, I`m right to think that if you included the advance in the sum, am I just to include it in my figures paid that far? That would make sense, but I want to make sure I am clear before expressing my right to VT. Hello, I have a question, if you could please help with it, I look on VT my car contract, but I`m short of 1500 dollars from 50%, I should be able to increase this, but do I first have to pay this before giving the letter VT of legalbeagels website to the financial company 14 days notice or then I can pay the letter the rest? Hello there, first of all, I can say a big thank you for making available the information on this site.