Thank you all for your replies... I am having a bit of a nightmare with welcome now.. I have paid well over the half way mark of £4401 - which is tated in my agreement as me having to pay that figure before I can give the car back without owing anything on the car. BUT, they are now trying to ask for over £3k for insurance cancellation fees!!! I am just in the middle if writing them a letter to tell them that I will not pay this money as in my agreement, it just states that I have to have paid the £4401 - which I have already paid... They are also adding fees to the charges saying that they are fees and monthly payments that I have missed since terminating my agreement! cheeky @?@?@?@!!!!! Anyhoo - do I just state that I would like a S.A.R or is there a form of such? Many thanks for all your help...xx P.s I just wanted to say that I have just had an offer from HSBC for my bank charges over the past 5 years~!!

Well done and good for you!!! Would anyone know how much the car finance companys, are allowed to charge you for administration costs? As I asked for a statement on my account and when I received it, found there to be numerous £50.00 admin costs added along with numerous £5 costs for the same reason...I have never been late or anything so wondered where these had come from and if they are allowed to do this? Thanks for any advice!

YES CAR QUERY: I took out HP on a little Saxo 3 and a half years ago, therfore the car should be all paid off in March 2007. My sister uses the car although it is in my name, but she has been late quite a few times with payments (as did I when it was mine). Yes Car or should I say, Auto Car Finance charge me £15 for every letter they write - even if I had called them to say I would make the payment a day late for instance...I was wondering, is there any way to claim these or part of these charges back? As surely it isn't justified to charge £15 per letter when it is an automatically generated one in the first place??? WELCOME CAR FINANCE QUERY: I took out a HP agreement for a car with these people a year and a half ago (as I needed a bigger car for work and my sister was making the payments for the saxo). I did try to cancel the agreement when I first got the car due to the state the car was in - mechanically - but I was advised that I had signed the deal when I got the car - on the car showroom site, and therefore I couldn't cancel... So I kept the car. I am now moving overseas at Christmas and therefore do not want the car - if I cancel and give the car back, am I liable to make the payments to take me to the 2 year mark (of having the car)? Also, I asked them to send me a statement a little while back - and I noticed that they had added a few £50.00 to the account for admin fees and some £5.00 for again admin fees - can they do this?? Does anyone have any information that may help me as I could really do with some advice...thank you so much...x

Sorry - but does that mean I shoudl delete the colume for the 8% before I send it?

thank you....am hammering away at it - hopefully will have it finished soon!

Hi All, I am new here and am just completing my spreadsheet of charges, to accompany my letter to HSBC - but, do I include interest taken from my account as well as the overdrawn charges??? Thank you:confused: