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PCF repo'd car adding additional legal costs after appealled CCJ judgement - help

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All can any one help

 

I had a car repossessed by Private and Commercial Finance PCF on a conditional sale agreement

 

they got CCJ, court set payment at £10 in September 16

 

November 16 , they appealed court set at £40

 

today i have received a statement (notice of sums in arrears) from them ,

they have added several legal charges since,

is this allowed

 

July 16 - Legal Fees Adjustment £5088.36 - this doubled the debt, after car was sold at auction.

 

October 16 - Legal Charges £280

 

november 16 - legal charges £28

 

december 16 -legal charges £250

 

January 17 - legal charges £75

 

court split costs of appeal hearing 50/50 at £100 per party

 

Are these charges allowed ?

 

 

can i challenge them

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they cant add anything to the judgement of the claim

unless

the judgement says so

or

the agreement allowed such legal charges after judgement in its T&C's.

 

 

however.

we need a wee bit more info before we can really help.

 

 

1st is this PCF or Go Debt as the claimant?

 

 

some PCF agreements were non regulated [outside of the consumer credit act so you didnt have legal any rights to voluntary termination whereby you only pay 50% of the agreement]

 

 

they operate under the voluntary surrender scheme whereby you pay the full whack of the agreement minus any auction sale price..

 

 

so you need to check the finance agreement carefully and its T&C's

 

 

sadly PCF [and latterly Go Debt] were absolute monsters.

 

 

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