Wanted to share this just in case there's anyone out there in the same boat as us.
My husband had an account with Hitachi Capital for our sofas which were purchased from a well known furniture store.
The agreement ended in September but over the term of the agreement we incurred £347 in "admin charges".
We followed the usual process 1st letter and LBA but no response at all. Because of the postal strikes, we decided to make a last ditch attempt so on Friday(16/11), we sent a fax with copies of all the letters plus a "draft" copy of the court forms (we're in Scotland so not using MCOL) basically saying that if we didn't get a reponse before cob we would submit the court papers first thing Monday.
Funny enough, within 2hrs we got an e-mail saying that they were "investigating our case". It was a bit vague so we e-mailed back and said we wanted to know how long the "investigation" would take or we were still proceeding with the court action.
By 13.30 on Monday, we got a call to say they would refund the entire amount and the cheque would be posted out on Tuesday.
Now obviously we have to wait and see if the cheque shows up. From the other few Hitachi posts on here it looks like they aren't great at following through on the promise but we e-mailed today just asking for confirmation it had been sent so hopefully they'll take the hint otherwise we'll be heading off to Dunfermline Sheriff Court and we'll be getting costs and interest too. Taking no prisoners now
Will update when there is any news.
Mrs B
Hitachi Capital success 
