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lisaf -v- Peugeot Finance


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Hi All,

hope i'm posting in the correct forum! Basically i purchased a car in 2004 from peugeot fin. For quite some time, i made payments on time and even overpayments for quite a while.

Anyway, i have struggled over the past 2 years and my payments have been very erratic to say the least. The agreement ended (or was supposed to) in Agust 2008. At that stage, i was still confused as to what i owed but it was in the region of about 700/800 (only going by what little info they would give me).

They passed it over to crystal collection who said my balance was 1100.00 and still ongoing! Peugeot still hadn't told them abouth the agreement being up in august!

So i agreed to 100 per week as the collector came to the door. Paid 6 payments and then decided to sar peugeot and crystal. Crystal said as far as they were concerned, the account with them was now finished and it was back to peugeot.

Today peaugeot sent me all my statements (showing nil balance by the way)! but over 700 quid of charges! So that is more or less the amount that crystal collected from me!

So, can i claim these back like normal bank charges as they are written on the statements as 'penalty fees'.

And isn't it a bit of a coincidence that as soon as i sar them my account is showing nil?

Any help very very much appreciated and hope it all makes sense!

Lisa x

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  • 2 weeks later...

Can any body give the link to the spread sheet with the interest that calculates for you? (the simple excel spreadsheet)? It's been over 2 years since i last used them! I'm going to be sending the LBA this Friday.

Just to confirm, doea the interest only get added on at court stage?

Many thanks

Lisa

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Hi Supa. Thanks for that but i can't find the spreadsheet. The calculator on that page would mean i would have to input each charge in then calculate the transfer to my own spreadsheet!

Have looked everywhere for it. Can i put the interest on before i claim in court or do peaugeot have to know that figure beforehand?

Many thanks

Lisa

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Havinastella - you are a star! The only thing is it lists the spreadsheets as 'bank accounts' or 'credit cards'. Mine is actually car finance so which would i use?

Many thanks

Lisa

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  • 4 months later...

Moved here as requested.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Lisa, use the templates (in the Library) and adapt to your purpose.

 

I would also strongly advise you to file at court instead of through MCOL as MCOL is likely to stay your case even though it doesn't come under the test case, they tend to be a bit gung-ho the moment they see "charges"... ;-)

 

PS: I don't think having it moved to legal is a good move, few people venture in there in the first place, and this is really a quite straightforward reclaim case, so I;d have it in the "other finance institutions" forum... You'll be in good company, that's where my car finance one is. :-D

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If you are certain that you have followed pre action protocols (given then adequate opps to address your complaint) then yes go for it.

Did they respond o your LBA ?

Its amazing that they have listed the actual charges as a penalty !!

Your POCS should follow a similar path to the bank charges POCS-you could also use the sale of goods and services act.

Mycol is not the best way of going-I would personally go the County Court Live N1 route-i particular because you would have the chance to point out to them that this claim should not be stayed.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Oops Bookie -you beat me to it!!

Yes I think so too-no complications apparent as it stands-would be better in O/I-so will move there.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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