advantage car finance issues.

[swizzelem]

Hi, thanks for taking time to read my post.

 

I took out car finance with advantage 3yrs and 4 months ago, i only have £800 left to pay.

 

i have missed a couple of payments over the past couple of months...well not missed just been late paying by a week. i have now paid up to date. when talking to advantage they stated that i still have £160 owing for charges!!!

 

i tried to argue this with them and have paid £60 of these - i called the other day to try and challenge the charges as some are for returned DD - i cancelled the DD 4 months ago as i prefer to make a manual payment over the phone, however they are saying that they were not aware of this....typical.

 

the other charges are for text messages at 50p a go, phone calls, letters £7.50 each time, i wouldn't mind but i have never been late paying without notifying them on the day. i feel that these charges are unfair and basically just a way to get more money out of me. they even text, emailed, called and left voice mail the once all within 2 mins....and charged me for the privilege.

 

when i speak to them on the phone they are rude and patronising - even sent me a letter saying that if i don not pay the debt (charges) on the account then they will repossess the car.

 

1 - do i have a leg to stand on with these unfair charges?

2 - can they repossess the car with only 7 payments remaining?

3 - any other advice would be great.

 

thanks guys.

[dx100uk]

1, NO!

2.NO

3 get reclaiming

 

they are mega fleecers!!

 

see 3 below treat it as a credit card reclaim.

 

dx

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?329067-Advantage-Finance-HP-Car-failed-after-1yrs-still-paying-HELP&highlight=advantage+car+finance

 

not got PPI gap etc have you!!

 

dx

[swizzelem]

hi DX and thanks for your response.

 

im due to pay the charges on friday, so i assume you think i should go ahead and pay this then reclaim?

also about the car repossesion - why do they say this if its not true.....god how do these people sleep at night.

 

thanks for your help i will get reclaiming

[swizzelem]

hi DX

 

i dont have PPI or GAP....i stopped this at the start

[dx100uk]

well done that's rare.

 

don't trust adv as far as you could kick them

 

and everything in writing too now.

 

no phone calls !

 

dx