Thread: lisaf -v- Peugeot Finance

Hi All,
hope i'm posting in the correct forum! Basically i purchased a car in 2004 from peugeot fin. For quite some time, i made payments on time and even overpayments for quite a while.
Anyway, i have struggled over the past 2 years and my payments have been very erratic to say the least. The agreement ended (or was supposed to) in Agust 2008. At that stage, i was still confused as to what i owed but it was in the region of about 700/800 (only going by what little info they would give me).
They passed it over to crystal collection who said my balance was 1100.00 and still ongoing! Peugeot still hadn't told them abouth the agreement being up in august!
So i agreed to 100 per week as the collector came to the door. Paid 6 payments and then decided to SAR peugeot and crystal. Crystal said as far as they were concerned, the account with them was now finished and it was back to peugeot.
Today peaugeot sent me all my statements (showing nil balance by the way)! but over 700 quid of charges! So that is more or less the amount that crystal collected from me!
So, can i claim these back like normal bank charges as they are written on the statements as 'penalty fees'.
And isn't it a bit of a coincidence that as soon as i SAR them my account is showing nil?
Any help very very much appreciated and hope it all makes sense!
Lisa x

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Well up for the fight 42man! I'll make a start tomorrow! x

Sorry 42! just starting them now - just to clarify it's the same system as the bank charges? It's been a while since i've done those!
MAny thanks
Lisax

Right - just an update. I bit the bullet and sent out the pre-lim and schedule of charges to peugeot!
Lisa

Can any body give the link to the spread sheet with the interest that calculates for you? (the simple excel spreadsheet)? It's been over 2 years since i last used them! I'm going to be sending the lba this Friday.
Just to confirm, doea the interest only get added on at court stage?
Many thanks
Lisa

(((((BUMP)))))) Anyone

Anyone?

Anyone? - gotta send off lba tomorrow, do i need the interest spread sheet for that stage?
Many thanks
Lisa

Right - sent off lba without interest as i couldn't find the simple excel spreadsheet. Can i add the interest on before court stage though? (if i can find the spreadsheet lol)!
Lisa

It's on the MSE site

Bank Charges: Reclaim them, they’re unlawful, inc. free template letters ...


Might help for future use

You can always add the interest on later or send an amended claim.

Hi Supa. Thanks for that but i can't find the spreadsheet. The calculator on that page would mean i would have to input each charge in then calculate the transfer to my own spreadsheet!
Have looked everywhere for it. Can i put the interest on before i claim in court or do peaugeot have to know that figure beforehand?
Many thanks
Lisa

Havinastella - you are a star! The only thing is it lists the spreadsheets as 'bank accounts' or 'credit cards'. Mine is actually car finance so which would i use?
Many thanks
Lisa

Originally Posted by havinastella

Is this what you need Lisa

http://www.consumeractiongroup.co.uk...-tutorial.html


JOgs

Never seen this before.....learn something new every day.

Hi Guys, I've left this quite a while but I'm about to file on mcol. Can anyone help me with the POC's please?
Many many thanks
Lisa x

Bump - anyone?

Hi Lisaf, as your looking for help with POC's would it not be better if you requested this tread to be moved to legal as you might get quicker assistance there?

Thanks Joemay - will do x