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default issued/renault finance


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Hi

Hope this is in the right forum

 

My daughter has been issued with a default notice from renault finance she has been having a lot of problems in the past couple of years she did think she was on top of this one however,we got a statement of account sent in July 2007 which showed £745.74 of charges she made a payment on the 2nd Aug 2007 and arranged for the direct debit to be reinstated.well that's what she thought anyway the direct debit has never been started again and so she has fallen behind again.

She received the default notice and arrears of £996.25 had to be paid by 9/11/2007 she phoned them to explain about the direct debit and paid £200 over the phone with a promise to pay more next week,however they wouldn't accept this proposal.

 

On the default notice it states that she has accrued admin charges of £709.49 (this differs from the statement of account received July 2007 and I am sure there will have been more added to date)

She hasn't received any letters warning her that the payments haven't been received.

 

What would be the best course of action to take now, I am unsure how to proceed with this.

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Hi all,

 

I did find the answer on another thread but can't find it tonight nor can I remember who posted it (brain like a seive Honestly)

 

What was said if there was unlawful charges included in the amount that the default was unenforceable.

 

What I am not sure of is what to do now, will they still be able to go to court with this or does it just go to a DCA ?

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