59 plate bought in July 2012 and vt'd may 2015 Have they any right to bill me having auctioned the car without me knowing whether it was fixed or not? And not giving me the chance to fix it myself?

Also heading is meant to say after 3 years of 60 month HP

I never took pictures, I am worried about credit rating being affected as I am 22 and don't it being affected by something like that. Should I even bother getting in touch with them?

I vt'd my car last month, it's with northridge and I was over halfway through so thought all was good. When I notified them they sent a letter saying when G3 collect the car and examine it if I was to pay any damages then I should do so within ten days. It then states if I want to repair the damage myself then it would result in a delay in terminating my agreement. This was a month ago. I have today received a letter saying that the car had been sold at public auction and that I owe them 400 quid. They have included a report and pictures of damage which is a couple of chips, a scratch on the rear and small crack, and a scuff at the front. The cars 6 years old now. They have said its been sold so I am wondering why I haven't been offered the chance to have it repaired myself? What will I say when I phone them? 'You never told me what damage was there and I wasn't told about this before auction so I couldn't exactly repair it myself and now I am being billed, that's not correct' Any help is appreciated and sorry for the vague post this is from an iPhone sorry.