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had issue with shock absorber in 2015 when i bought the car off them but had to accept partial cost towards repair from them as i didn't have the luxury of wasting time chasing it due to work. Stupidly enough got another car from them couple of months back, it's a lovely car no doubt and on a cheapest finance deal but i think there is an issue with clutch may be. The car jitters in first gear just about when you release the clutch full way up. Not sure if i should report this and would be covered in three months warranty service they provide or is just a minor issue and i should overlook it. What do you guys suggest.
I missed the first payment of £18 (wasn't told when it would be taken out so didn't have money in that account to cover it!) They have sent a letter stating that they are charging a returned payment fee of £30 in line with the terms and conditions of your agreement and the following line states "In addition to this, a default penalty of £15 has been charged to your account in line with the terms and conditions of your agreement"!! lol Are they serious!? its ridiculous really. There is no issue of affordability of the monthly payments, they have since taken that months payment and the following months payment together with the default charges. I took the finance out on some bike stuff to avoid the wife going mental when she saw another large expense on them going out haha but the whole agreement was for only about £490 and they charge nearly 10% on a default. I've written citing unjust enrichment and will await their response but has anyone else had such dealings with them? I know some companies take the mick with default charges but this seems a bit much even for others standards!!