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Found 7 results

  1. Hello all, Unfortunately I was made aware there wasn't enough money in my account to cover a DD to Hitachi. I put money in the account on the same day but it must have been too late as the payment was returned later that day. The next day I have rang up to make payment only to be told there is a £22 charge which is automatically added. Do I have any grounds to claim this back. The credit payment is £25 a month is seems unjustified that the charge is nearly as much. I asked them to clarify what the charge was for but the kept referring me to the contract I signed. This happened 3
  2. Had laser eye surgery done last year. 1k left on a 2.6k loan, stopped paying it as I lost my job. I have no assets or anything, do you think they'll actually take me to court? other debt letters i've received have said "may take you to court", these guys seem serious though. They said if they don't recieve a check for the full amount within 7 days they will issue proceedings. Worst case scenario, what happens? They take me to court and I pay £1 a month? Can they remove goods from our house? Or is that only if I miss payments? Best way to p
  3. Hi there. I do hope someone could help with good information what to do in my situation. I received court claim almost 4 weeks ago. I submitted the AOS back on 25/9 and therefor now only got 1 more day before at least have to do defend form online. My problem was I have been very ill for last 2 weeks with flu and also going through tooth abscess so really tough times for me. But nevermind I should still have got this sorted before it went so far. I am praying someone of you could help me with some good information on how best to tackle this as I have to submi
  4. Hi guys. Hope you can help and advise me as I am very uncomfortable in my situation. I owe Hitachi Capital after I bought an item through an online shop. I was bit in a rush to buy this item and though I will take a loan as my money situation will improve a lot later this year. And Item was needed in regards to online work as affiliate. So was not just a impulse buy. My idea at the time was to take out interest free loan. Where you can pay it back within 12 months and no interest. And if not paid before 12 months then interest would kick in. But somehow to be honest be
  5. I've recently obtained an SAR on an satisfied debt I had with Hitachi Captal Credit (taken out in 2009), with regard to claiming back some of the fees. I did however notice this section on the credit agreement: Charges will be payable under this agreement in the following events: - Recalled direct debits: £32 - returned or recalled cheques of credit/debit repayments: £30 - letters sent as a result of a breach in the credit agreement: £25 - telephone calls in respect of late payment: £10 - issue of a default notice: £50 - transfer account from collections to debt recovery:
  6. I missed two payments and called Hitachi to pay specifying that the money was to be allocated to the two months arrears and NOT default charges as I planned to dispute them. Hitachi took my payment and allocated it to charges instead of the arrears so an additional default charge was added to my account the following month! When I challenged this they claimed it was policy to allocate the money to charges first, I checked my credit agreement and this was totally untrue and in fact the opposite! They refused to remove the charges so I continued to pay on time by cheque and wrote accompanyin
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