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Hi All,

 

I'm not sure if I have anything here, but I have a car on finance with Park Motor Finance and whilst unemployed for 5 months I never missed a payment although I did start paying at the end of the month instead of the beginning as this gave me more time to accumulate the necessary payment (£233). I started work again in Oct and asked to carry on paying at the end of the month. Now what i didn't realise is that every time this has happened they have charged me £10 + interest approx £4.53. I complained and have received a response telling me the charges will continue to accrue every time an instalment is missed (no payments are missed I merely pay them at the end of the month rather than the beginning). Can they do this? or do I carry on paying the charges until I have a spare £233 so I can pay at the end of the month and the beginning of the next? The agreement ends in June 2013!

Point 2 with these ****ers is when I do call to pay they are keeping a note of the number I called from and then a week later once the instalment date is missed the calls and texts start. I use a work phone and at no time have I given them permission to store the number yet the calls start coming. The first time this happened I complained and the response was human error. The second time this happened I was told tough - bring your account up to date and we won't contact you! Is this a breach of the DPA because a) the phone I called from could have belonged to anybody b) they are storing and using my personal information without my permission albeit to contact me or c) when they do call / text / leave voicemails they say they are calling from Park Motor I have been told as they don't say 'Park Motor Finance' this is fine. They still ask for me by name.

Lastly I'm paying £233 per month for 5 years for a car which cost £7,500. Unfortunately they were the only ones offering me credit at the time I needed the car so to get anything back from them would be a bonus!

 

Please help...

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