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We took out a HP agreement with Advantage Finance 3 years ago.


Recently my husbands work pattern has changed and we can't always pay on the due date.


Looking at a statement from them

we have charges for late Payments which are £35 and a £12 admin charges and £1 for a phone call.


All of this amounts to £480


we have asked if we can make payments by BACS so that I can pay when my husband gets paid

but they tell me they can't give out their bank details.

They are not very flexible when it comes to paying them.


It seems so unfair these days that you get charges on missed payments increasing what you have to pay out.


Is there anything we can do about these charges?


If so what argument can we use?


and can we insist they let us pay by BACS?

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You are correct. Not very flexible at all and this suggests to me that a Formal Complaint should be in order. In my opinion, they are being inflexible purely to add the charges. These can be reclaimed.


Is there a date in the month where funds are usually available and if so, suggest that date as the payment date.


Asking for their bank details is a reasonable request and them refusing it is causing you undue frustration.


They have 56 days to resolve any complaint before you can go to the Financial Ombudsman.


From April, the FCA takes over from the OFT and from what I have read, they may have a bit more power than the OFT so a complaint to them is also a good idea.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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time to get reclaiming!!



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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