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V12 Finance missed payment of £18 charging £45!!

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I missed the first payment of £18 (wasn't told when it would be taken out so didn't have money in that account to cover it!)

 

 

They have sent a letter stating that they are charging a returned payment fee of £30

in line with the terms and conditions of your agreement and the following line states

"In addition to this, a default penalty of £15 has been charged to your account in line

with the terms and conditions of your agreement"!! lol

 

Are they serious!? its ridiculous really.

 

 

There is no issue of affordability of the monthly payments,

they have since taken that months payment and the following months payment together with the default charges.

 

 

I took the finance out on some bike stuff to avoid the wife going mental when she saw another large expense

on them going out haha but the whole agreement was for only about £490 and they charge nearly 10% on a default.

 

I've written citing unjust enrichment and will await their response

but has anyone else had such dealings with them?

 

 

I know some companies take the mick with default charges but this seems a bit much even for others standards!!

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any penalties are unlawful under FCA guidelines

go reclaim them.

 

 

dx


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The charges are extortionate and unlawful. However, I'm afraid that when you use phrases such as "unjust enrichment" in this context, you immediately communicate to them that you have no idea what you're talking about and your letter ends up in the bin.

 

As you don't seem to be pressed for the money at the moment, I think that your best bet is to engage them to the ombudsman. This will put them to time and trouble and also expense. Make a formal complaint telling them that first of all they had a duty to tell you the date that payments would be taken and they failed to do so – and that secondly the charges they are attempting to levy are extortionate and unfair and do not reflect actual losses and are invalid under the Unfair Terms in Consumer Contracts Regulations. Tell them that you want to make a formal complaint. Furthermore, tell them that if any of this is affected your credit file that you will make a further complaint in respect of that as well. Tell them that you want the matter brought before the ombudsman and that they should let you have their final response as quickly as possible.

 

If I were you I should give it to 3 weeks and then do check your credit file.


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Well despite me having "no idea what I'm talking about" (lol) the charges have been returned.

 

:-)

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