Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I recently underpayed 1 months repayments by £100 of a car loan, with the proposal of making addition payments of £33.33 over 3 consecutive months in order to catch up. Black Horse are now trying to charge me £25.00 late payment charge, plus a whopping £80.00 for what they call "collection activity charge".
Are they within their rights to do this, or am I right in thinking that is the very same stunt the banks have been trying to pull ?
My own view is that the very same rules that apply to rip off bank charges/credit card charges also apply to finance houses such as Black Horse,
I think you have inadvertently posted in the wrong forum so I've asked one of our MODs to move your thread to the appropriate forum where you will get more specific advice.
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The collection activity fee and the late payment fee are unfair charges. I recently won all my charges back from Blackhorse and this included a £80 collection activity charge and £300 in late payment fees.
Black Horse Finance - Advice Please
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