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Hi, I have today received a Notice of default sums from my car finance company, namely Private & Commercial Finance Company. The letter states that "Pursuant to section 86E ot the Consumer Credit Act 1974, they are charging me £10.00 for a letter sent out to me!! I have checked the CCA 1974 only to to find that Section 86 deals with "The Death of Hirer or Debtor". As I am very much alive and kicking..So I have asked them to refund any charges applied under this act. I would appreciate any help guidance in this manner. keltyboy