Jump to content


Xtra Finance charges


tofster213
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4541 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi

 

Was Hoping i could get some more advice from this great forum

 

I recieved a loan last year for £1000 from a company called Xtra Finance ,half way throught the loan i missed two payments due to partner losing his job .When this happened Xtra Finance very quickly sent me out a ccj so i carried on paying my loan to them as arranged .Now my loan has come to an end so i thought .This mourning i recived a letter from Xtra explaining that i have over £500 worth of charges becauce the account whent legal over me missing two payment .I have never missed a payment since then. So i called them and asked why it was so high and the lady was really rude and explained that they have a judgement against me from last year for the missed payment and i have to pay these charges when i explained that i was not in a situtation too pay the charges she replied well u have been paying the loan so far so why carnt you pay the charges :evil:

 

Does anybody have any advice on whether i have to pay these excessive charges as they say they have a jugdement against me

Thanks for any advice :D tofster213

Link to post
Share on other sites

i think they sent me a default notice and a letter saying it was going to court cannot remember anything else . The lady this mourning was saying we have a judgement so i am not sure what that means sorry if im a bit vague

Link to post
Share on other sites

They should have sent you a default notice after a few months of being in arrears. If you failed to rectify the default (by paying the arrears and bringing your account up to date) they can then issue a claim in the courts. The court would send you a set of forms. You should have acknowledged the claim and chosen to accept it or to defend. Only after this would they get a judgement, depending on what choice you made. The court would send you a copy of the judgement stating how much to pay each month to clear the amount stated on the original claim. If you have paid the amount of the claim in full then the CCJ is satisfied.

 

Did all the above happen, and what action did you inform the court that you wished to take (defend in full, defend partial or agree)?

Link to post
Share on other sites

no i did not inform the courts of anything i just carried on paying the loan ,also when i contacted xtra they said to me because you have not missed a payment since last year we can reduce it by £100 which i thought was strange thanks for your help .If the court did send me a ccj and i didnt replie to it what would that mean

Link to post
Share on other sites

Once a CCJ has been issued then a CCA request is no longer valid. The best option now would be a Subject Access Request, which will cost £10. Ask for full disclosure of all records they hold on you. There's a letter template that you will have to adjust to suit, as it's more biased towards reclaiming bank charges.

 

Off out now, so I won't be around for the rest of the day.

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...