Hi Need some advice Few days ago Cygent Finance had my car repossessed. One would say my own fualt and others may say right for doing to protect your own rights. Briefly Had car since Oct 2008, paid £650 deposit and below is summaary of total amount, amount paid and amount reminaing Amount Of Credit - £4650 total Amount Payable - £10077.12 Total Amount paid to date - £4838.60 Amount Due - 5238.52 My partner at time went on maternity in January 2010 we asked cygnet to change payment dates to coincide with my pay which was 15th for next 9 months whilst she was off work and to drop payments to £120 for same period, letter sent off and no letter ack but accoun manager called and said that was fine. So we made £120 each month, first £120 on 1st of month then had to pay again on 15th to put account in advance did this until September time when I found out they had been marking my credit file late each month for all 9 months. (original date was for 1st of each month), spoke to them and they blamed computer, wrote to credit people who said nothing can do speak to finance company. Cygnet didnt budge, so we fell out. Told them needed to go back to normal as partner went back to work and I had finished my current ocntract. Said the y couldnt change dates and had to keep it the 15th, told them agreemnt was for 9 months but they said no they couldnt change it back. So paid on 15th and again red mark and next month again. So come December I had enough, wrote final letter asking them to resolve issues they had created on my credit file and that I firmly request the date to be amended as per credit agreement. Refused. So told them where to go. By this time I was failing to get credit and my limits were being reviewed by my other creditors. Now upto that point I had paid of over £4800 to them, 1 month went by and no replies, spoke to them and manager agreed they were wrong but still nothing happended. Sated I wouldnt pay until resolved as it makes no difference what they do my credit was now crap. Then in April they send me a default notice stating 2 months behind of £240 under whatever terms they were cancelling agreement and seizing car. We had split up by now and my other half had car so passed it to her. But to cut long story short a bailiff or whatver you call them came, entered driveway at rear of property via gates, and proceeded to enter car forcefully. All hell broke loose and bailiff began threatening as at time partner got in and sat in car. He then pointed out that sdhe could either get out of he would forceablly remove her and that it may be painful if she refused. Police were called due to matter and police then proceeded to declare that this man was in his right should car not have been paid for. They then requested that keys be handed over and that she remove herself from fron tof vehicle or risked being arrested. Finally police escorted her indoors and after bout 15 mins letter was pushed through door of her house with my name on dated 04/03/2011 saying 1 month behind Notice of Termination and Seizure Arrears £120 Balance £5238.52 Paid £4853.23 Letter is photocopy, has been scribbled on my bailiff stating I HAVE TAKEN CAR!!(that is corect number of exclamation marks) 21/06/2011 @ 3.10pm and that was it, since rang asking what the hell they are playing at, told me tuff can do what we want that our vehicle, said would arrange to pay arrears but stil lpending pending resolutions to my personal data and my damaged credit file, they refused to accept the supposed £600 arrears that was owed bear in mind only £120 in arrears on 4th March plus they wanted £580 in costs on top of £600 for taking vehicle. So would only deliver back vehicle if i made debit/credit card payment for £1180. Still waiting months and months down line for them to resolve all bad data they had recorded against me. I understand that anything from February is legit but August through to January has been tarnished by their inaccuracies Also to note Told them to keep it but deciding to seek advice as to whether actions were viable or not Sorry for long winded ness just trying to paint picture and circumstances surrounding the whole affai CAN ANYONE PLEASE SHED SOME LIGHT ONTO WHAT ACTIONS ARE CORRECT ETC, WHAT THIS LEGAL WHAT THEY DID