Can anyone advise me please?
Are additional charges and court costs allowed to form part of a judgement order?
Cirumstances relate to
I took out high interest moneybarn finance in November 2016 to buy a car priced at £6995 the finance was 60 mths £240.82 per month. The first payment was due in 17 Dec 16, which I immediately struggled to pay due to income issues. I did at the time speak to Moneybarn and to avoid bank charges I cancelled the diect debit in December 16. I was unable to make the payment due 17/1/17. I was charged £18 on 10/1/7 & £18 on 8/2/17 both charges list on the statement as DD failure charge, I never received notification of these charges and there wasnt even a DD in place.
10/2/17 they issued a default notice and charged the account £18 - 2 months missed. On 2/3/18 the contract terminated however I as not informed of this and continued to make payments by 8/3/18 I had paid £488 to them and contacted them on 8/3/18 to see how much more was required to bring account in line only to be told the contract terminated on 2/3/19, I received the cancellation bill etc finally around 20th march which I kept the envelope it came in. I was told not to worry as they can arrange for a Judgement for delivery of goods by consent order through the courts and it would be suspended as long as I made the payments. The court cost totalled £408 and they advised me if I attended a hearing the court costs would increase. This process for them to arrange took approx 2 months in total and I was pressed for my signed docs to be returned by 28/4/17 or an agent would have attend court. I was required to agree to;
1 payment £315.50
11 payments £315.42
43 payments of £240.82
The judgement balance claimed £14140.82 inclusive of costs (£408)
The 3 x £18 charges are also included in the total amount but are not listed so are masked within the listed balance of the finance.
The starting figure for the finance £14208.00
emailed the court and this is what they replied today;
Thankyou for your email today.
I have looked at your case and found that you need to submit your Defence at your earliest convenience.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!