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County Court Papers Received :0(


Beakermeep83
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Received county court papers yesterday in relation to my Black Horse HP Agreement.

 

My head is a bit of a mess so my first post will be probably be ramblings until I can work out what to do as I just don't know where to start.

 

Took the agreement out in March 2009 for the following:

Hire Purchase - £17,562.96

Insurance - £1,216.20

 

I have missed or been late with many payments pretty much since the beginning with charges calculating £1,408.51 which come under the headings Due Date Charge, 10 Day Collection Activity Charge Fee Charged, Late Payment Interest and LPI Adjustment.

 

The court papers state that the unpaid balances are:

Hire Purchase inc LPI and Fees - £13,008.30

Loan inc LPI - £920.96

 

The court papers also state the claimant will agree to the following amounts:

Amount claimed as an alternative to delivery of goods - £13,929.26

Amount claimed in addition to delivery of goods - £5,060.79

 

I have the following questions to start with:

* Is the Insurance stated on the Agreement but worded Loan on the Court papers actually PPI?

* Can I claim back any of the charges and have this deducted from my total amount?

* Where did they get the amount from for 'amount claimed in addition to delivery of goods'?

 

I have a statement with all my charges and a copy of the agreement I was handed by the car dealer (minus my signature) and I have asked BH for a signed copy of the agreement but never received it. Am going to chase them up again for this now.

 

I really hope someone can help me asap. My hearing is scheduled for 15th November but not sure how quickly I have to return my forms to them?!

 

Please, please help . . .

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