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I've had my finance with Banque PSA for 3 years and changed my direct debit date shortly after starting the agreement to the 19th to coincide with my payday.

 

I have now had to find new employment and my pay date has changed to 5th of every month starting from February.

 

I received my last wage 19/12/2013 and they received payment then for December.

 

I contacted them last week when I received my new pay date to see if they could change the direct debit

- I was advised it can only be changed once so no it can't be done for 5th of the month.

 

I will now miss Januarys payment on 19th but they refuse to agree a payment plan before the payment fails

and I have to wait for there to be a missed payment to be hounded and harassed by phonecalls regarding this.

 

I've advised I will pay my full payment on 5th Feb presumably for Feb and pay £80 additional to cover Januarys for the next 3 months.

 

Are they allowed to do refuse to change my direct debit date?

 

If so I will receive letters, default notices and phonecalls every month going forward as I can't pay on the 19th.

 

Any advice what to do?

 

It's not that I can't afford to pay or am refusing to pay I just can't pay 19th of the month anymore

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Complete BS from Banque PSA .

You have rights to change the Date of any payment... They will come a knocking when the payment fails. I would complain to them and tell them to prove it that its IMPOSSIBLE for them to change it! (Show proof by written communique etc)

 

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**Fko-Filee**

Receptaculum Ignis

 

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Thanks I was thinking it was complete BS but just wanted to make sure I wasn't barking up the wrong tree. Worst finance company i've ever dealt with let alone the fact I always get someone american or indian who probably don't understand HP. I'll drop them a complaint email and letter recorded delivery.

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