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.
Thats why I was asking which company it was, some companies you can actually negotiate with.
For example I had a loan with the AA, got one £25 fee after a year of perfect payments so I called up to try and discuss it. I might as well have asked them to buy me a Ferrari, absolutely no negotiation and they demanded I paid it there and then.
On the flip side I once missed a couple of months payments with BlackHorse, had £80 of fees, when I called them I managed to get them to waive all the fees if I agreed to pay the missed payments ( which I was going to do anyway! )
I would agree that charges that high are not fair but I cant argue with the fact i signed an agreement that stated in the smal print that I was happy with the fee policy, my own stupid fault for not reading them!
Best thing you can do is call them and try to negotiate.
Thanks understand what your saying regarding the agreement but the same thing could be said when agreeing to bank account t&c's regarding their fee's and we all know where that stands at the moment.
Car Finance Agreement Charges
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