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emmalouise11

British Car Credit - Credit Agreement

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Hi all,

Im new today and was hoping someone could advise me a little of one of those life's experiences, never again! I apologise for the length of this message, but i hope somebody can help.

I purchased a car from Renault for £11,133 (cash price) in May 2005, I had to use British Car Credit, due to so much negative equity in the vehicle I was exchanging, funny enough it was a Renault.

 

I had to take out 2 loans with them? Because the maximum they would lend at the time was £10k (I found this hard to believe at the time, but I continued). So I had a balance payable of £15450 (including all the charges etc) meaning a monthly payment of £259 per month for 60 months. I also had to take a loan out for £1,260 with them with a monthly payment of £21 per month for 60 months.

 

My payments were also increased by them adding £30.24 for Credit Protection Insurance per month, making the payments to £289 per month. I had no idea until recently that I had been paying this.

 

It’s always bugged me so much, as I never felt happy with it. Luckily I purchased a car from Mercedes in 2006 and got rid of the whole thing.

 

However, what im unsure of is that is it strange to have 2 agreements? I asked for a settlement figure and was told in February 2006 £15419.72 was the balance outstanding (originally it was £15,450) therefore no were taken into consideration, they stated at today’s date (February 2006) £9,306.66 was the settlement figure, assuming last payment of £289 was received (this included £30.24 credit protection insurance), strange after looking at it just now! When the amount payable originally was £15450, also why would a settlement figure include insurance?

 

Likewise for the second loan amount payable originally was £1260, and February 2006 the balance outstanding at today’s date was £1,092 not all payments were taken into consideration and the settlement figure being £750.61

 

I had never missed any payments, so they couldn’t say it was charges, and still have my credit file for that time to prove this.

 

One more thing, when I agreed to the finance they faxed an agreement to me at work and I had to sign it and fax it back, just thinking now, should they have an original copy of my signature, along with a proper agreement, rather than faxed copies. The only copy I have is very hard to read, and does not have any agreement number on, just a proposal number.

 

Please help, ive no idea now if this agreement was really enforceable, and if the Credit Protection Insurance that was never discussed with me. I only have a faxed copy of the main loan and not of the other, I have asked them for a copy of the second loan, a week ago, I have not heard anything yet and they have not cashed the £1.

 

I want to pass this to a solicitor to have a look and, because I strongly feel that the settlement figures were incorrect, yes I should have notice this at that time. But imp wary of whom to contact in case they charge extortionate fees.

 

Emma ;)

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Welcome to the site.

Will move your thread.


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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