Hitachi Personal Finance

[Fire199]

I purchased a kitchen with a buy now pay in a year facility from Wickes and was assured that I would receive a reminder to pay before interest would accrue after the deferral date. 

 

Hitachi Personal finance are claiming that an email reminder was sent (but failed to produce credible evidence of such an email) and as a consequence I am having to add a hefty amount of interest onto the cost of my kitchen. 

 

I referred to the Financial Ombudsman who found in their favour on the basis that they believe Hitachi did give notice and it was my responsibility anyway to know the deferral date. 

 

The reminder letter was sent to me after the deferral date as a result of my enquiries into why I had not received one.   

I tried to pay the money owed 5 days after the deferral date but they wanted a whopping £700 more in interest. 

I wonder if anyone knows of any other way of challenging this position. 

[BankFodder]

Send them an SAR. Do it straightaway.

Maybe you could explain how they have calculated that much interest.

Also, when you post your story please would you post it properly spaced. Your post is quite short so as not too bad but people who post solid blocks of text without spacing make it very difficult to read and it tends to dull the enthusiasm of others who otherwise would be very keen to help

[dx100uk]

who assured you you'd get notification of no int time limit ending?

thats not a normal MO of these BNPL agreements

they are not onliged to warn you?

 

when did you rake this out

and when did you try to pay the Org Sum?
 

 

 

[Fire199]

Thank you for your response Bankfodder. 

Point taken ref block text. 

What is a SAR PLEASE

 

Thank you for your response dx100uk. 

The salesperson absolutely guaranteed a reminder by post would be sent

We took it out Nov 2018 and the deferral deal was Nov 2019.

 

I was completely aware of its imminence but awaited the reminder not being certain of exact date. 

 

I tried to make the full payment some 5 days after the deferral date when I was alerted by my bank that a payment had been made to them. 

[dx100uk]

click sar

 

as for the lies the salesman told you

whatelse do you expect..he is on commission to sell and will say anything to get the sale

sadly as i said earlier, they don't have too.

 

 

dx

 

[Fire199]

OK thanks for this