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Direct auto finance / yes car credit


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Hi not sure if anyone can help me but I had a car from yes car credit through Direct Auto Finance in 2003 (seems I made a big mistake). Having gone through a divorce the car went back 2005. The finance was in joint names.

Ihave had a read around on here and I might have got it wrong but am I right in thinking that after half of the total balance has been paid the car can be returned so the payments can cease?

If this is the case can I claim any money back?

The remaining balance at the time when the car was given back was almost £6000 out of a total of £9000 and I was told to pay £3000 and my ex wife would be chased for the other £3000.

As I have paid more than half of the remaining balance can I reclaim any of that money?

 

Thanks for taking the time to read this and I hope somebody can help.

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