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Hello my name is ***** ***** I will help you with this.
Is this agreement regulated by the Consumer Credit Act please?
When did you sign for this and how much was the finance?
If its a business agreement then you wont have protection under the CCA. This means you can not cancel the agreement as you have paid half as it is a non regulated agreement.
However if they have ceased trading this is an asset of the company. They can claim it back - they may have appointed a liquidator. If not then you can just give it back.
But legally they are not obliged to accept it, as its a non regulated agreement.Can I clarify anything for you about this today please?
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