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Car Finance Company paying visit to house


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I am behind on one of my car finance payments by four weeks which I rang up to pay today along with my new payment which is now due. The operator on the phone said she was not allowed to take payment from me and I am to ring a mobile number of a local agent who wants to come round and discuss things with me!


I am stunned that one late payment can give them the right to enter my premises which is not owned by me. Can I refuse to agree to let them in? And can they demand the outstanding loan payment back? I simply want to pay the amount I owe over the phone and agree not to be late in the future!


My HP agreement is with Black Horse, who seem to have a history of this sort of intimidating behaviour.:(

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I have paid over 50% of the agreement so far. It is for 4 years, and I have been paying for 2 1/2.


They have not sent a default notice, only a letter saying how much I need to pay to bring the account up to date.

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