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advantage car finance changes and mis sold insurance


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Hi there

 

 

I am looking for some advice with Advantage car Finance.

 

I have a car that is due to be finished in the next 6 months

have had the finance over the past three years.

 

 

My questions are

 

 

is there any rules that state what companies can charge you for phone calls letters texts unpaid direct debit charges etc ?

 

 

Advantages charges are very high

i was wondering if i could claim any back as unfair?

 

 

they charge

unpaid direct debit- £12

telephone call £7.50

text message 50p

arrears management fee £12 (per week)

letter £7.50

 

 

are these charges legal or anything i can claim back if so how?

 

My second question is regarding the insurance i was mis sold when i purchased my car.

 

I was sold GAP, MOT and mechanical insurance

 

 

at the time i was not sure whether to take these but was told they could be cancelled at any time, i went ahead with them .

 

 

some time later i called them when we were struggling financially and asked for them to be taken off.

at that point i was told i had paid for them and they were in the finance and were £2000

even if i cancelled them i would still have to pay for them whether i wanted them now or not.

 

 

my second question is can i claim for the mis selling of these insurance pollicies? and if so how do i do it ?

Thank you in advance for any replies i receive.

Michelle

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ho ho advantage again.

 

 

you can reclaim EVERYTHING you list!!

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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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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sorry for sounding thick but how do i do it ?

 

 

some months i have had up to £100 in charges.

 

 

I have asked them not to call me and told my husband to never answer the phone to them

so they dont change us so they then send me letters which they charge me for instead !

 

If possible send me the links to anything ill need

 

 

or just tell me what i need to do please.

 

 

Thank you so much for your help x

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sri the link in post 2 took a while to show

 

 

dx

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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Share on other sites

first port of call is get an SAR off to them.

 

 

dx

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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wow that takes some reading and the attachments i cant find or open so im struggling with it i will print off the SAR now and post to them and then will come back for help please.

thanks

Michelle

 

There was a lot of attachments and I ran out of space so had to remove quite a few.

The SAR alone I received was 216 pages of lies.

 

You will be in for a huge fight with them, they are sly, they lie and basically do not know basic maths.

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just to check everything, if you have a copy could you post up your

 

original agreement, with all personal details removed please

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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HOW TO UPLOAD DOCUMENTS / IMAGES ON CAGicon IMMEDIATELY YOU DO NOT NEED 10 POSTS

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IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAGicon you must ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

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ENSURE: To leave all Monetary Figures and Dates.

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DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

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1. SCAN YOUR DOCUMENT

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- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

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- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

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2. HOW TO EDIT (Remove Personal Information)

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- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

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- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

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OR Go to one of the many free online pdf converter websites:

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- http://www.freepdfconvert.com/

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PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

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4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

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- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

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5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

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- In your Thread/Post open a new msg box here.

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- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

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- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

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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