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Hi there

 

I am 41 months into a 48 month standard HP agreement.

 

I paid by DD on the nose every month until around the 30 month time, when I became unemployed (no PPI by the way).

 

Since then I have failed to make some payments on time, but NEVER have been more than 30 days late. I'm no angel this I realise but as I type this at least i'm up to date.

 

Every time I fail to make a payment a DN comes out etc etc but I always pay up.

 

 

As I have 7 months left to pay and my payments are £400 (but the last payment is £550)

I should have 6 x 400 plus 1 x 550 or £2950 left to pay.

But my credit file which was updated in April says I owe over £5000?

 

The HP company have said this is because of charges incurred for late payments and a home visit which was £75?

I checked the date and time on my CCTV and not one person visited my house that day.

 

Are they having a laugh?

 

I advised them that the payments under a HP agreement are fixed and that in October on my final payment they should remove my vehicle from the HPI register

- but they said they will not until the full amount on the account is clear.

 

I expect to pay something for my late payments,

like I said I'm no angel in this matter,

but this is ridiculous;

could someone tell me where I stand please?

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the visit fees and the late payment fees are unlawful and reclaimable.

 

 

who's the hp with?

 

 

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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Is there some legislation I have to quote when writing to them? I'm happy sending out SAR or CCA but just don't know why I have the right to claim these charges are written off?

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you are not asking them to be written off

you are putting in a claim for them to be refunded

 

 

the FCA state that any sum of money levied because 'something didn't happen' is deemed ' a penalty'

and under contract law and HP agreements etc, those are unlawful

because they are a fixed sum charge, that does not properly reflect the exact cost of what they had to do.

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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OK, so just because I haven't actually paid these charges, doesn't mean that they shouldn't be refunded, but in my case refunded to my account so that the account shows correctly what I owe, yes?

 

Hey, many thanks again DX

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:rockon::rockon::rockon:they only notionally exist

 

who the fleecing finance company?

 

bet we know them well

 

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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erm this can be taken further they've been fined by the FCA for doing this before I think

 

 

just type in their name in the SEARCH CAG box of our top red toolbar

and read!!

 

 

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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  • 2 weeks later...

SAR to the OC to gather all the info

Then Formal Complaint time

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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