Can I report them to anyone for trying to rip people off?

Afternoon all! Sorry for the delay, but we have been away. Beginning of September I sent Finance U a letter threatening them with court if they didn't pay within 14 days the over payment that we had paid them... ...came home from holidays on Sunday and there was a lovely cheque for the requested amount including the 8% interest that I added as advised! Thank you all so much for your help, couldn't of done it without you. Just really annoys me off to how many people they have ripped off!

Fab, i shall wait for tomorrows post as that is the original 14 days, if nothing, I shall send the letter before action and im quite willing to make a claim through court... thank you for your help

No i didnt add anything like that as i wasnt sure of the correct proceedings (if you know what i mean)

It was sent in a letter and send recorded delivery. I included in the letter that an overpayment had been made (with evidence) and requested full payment within 14 days from the date of the letter

Morning Well I'm back! Surprise surprise I haven't heard anything back from them since requesting the over payment be paid back to us and the 14 days is up tomorrow. So If I receive nothing tomorrow I should write them a letter, what should I put in the letter? Would rather check with you guys in case I get it wrong

Thanks for replying... I shall read through it all tonight and see what it has to say

Good afternoon, Well i've just received all of the information after requesting the SAR....and it makes for interesting reading. I have a new copy of their 'Statement of Account' which now reads that we owe nothing, as of 15/07/2016 they have 'write-off to bad debt'. Strange since their last statement to us in May which they reckon then that we owed them £925, now its been written off........maybe something to do with the fact that we have overpaid? I also have a copy of a Land Registry requesting Removal of Restriction.. . im not sure what I should be looking for on this mound of paperwork reagrding them charging interest x

I cant remember Im sorry DX, will be an interesting read when Ive received the SAR back then

Obiter, I have a list of payments, along with cheque numbers and amounts so Ill make it as detailed as possible Dx.....ooo sounds interesting

fab will do that now... thank you for all of your help

Shall i wait for the SAR to be returned to me as this was also requested last week along with a copy of the the CCJ from the courts (which ive obviously now had) or do I just hit them a a lovely letter?

Finance U

*£894.02 has been overpaid, Sorry my typing mistake

I have no clue to be honest Andy, their accounts over the years have been awful, so ive just been through my payments and checked their statement and we have definitely overpaid them by a good few hundred pounds

Thank you Dx

Morning! x Just been through all of our payments since the judgement and we have overpaid by £694.02. Should I wait until we have the SAR back before sending them a letter?

hahahah fab thank you for your help

Yep we have paid that amount.....ooo the sods.... and ive already sent for the sar......shall i write them a letter telling them to sod off in a very polite way of course lol

7 October 2004

Evening all Yes sorry dx sent to FU the SAR. Received back today from the courts a copy of the judgement and its says the following: 'It is therefore ordered that you must pay the claimant £3225.00 for debt (and interest to date of judgment) and £120.00 for costs. You must pay the claimant the total of £3345.00 forthwith Thanks in advance x

Fab thanks... will update when i receive everything.. Many Thanks again to you both

B******S! Thank you Absolutely disgusting that they can do that to people.

I found the information on [removed sorry - dx]

No i dont really have much of the old paperwork to be honest (young a stupid at that time) lol