breached an agreement

[luckyforme71]

I purchased a car in 2006 on HP payments were going great until Sept 07 when i found out my direct debt was cancelled by the HP company and were as i had no notice in writting. After phones calls and more phone calls no joy. My solicitor wrote to them in Dec 07 no reply followed by 8 more letters, 5 faxes, 30 phone calls. The company then send out people to collect the car twice which i told were to go. Finally in March 08 the HP company admitted (to my solicitor) they cancelled my direct debt in error but no payments had been made by me (how could i no one would take my card to make payments over the phone) i paid my arrears in full and the company have now said my normal payments will restart again in May 08 but in the mean time i have to find �1564.37 within 21 days or repossession will take place.

[bednobs]

sory, whats your question?

[luckyforme71]

we do i stand i need the car to get to and from work etc.

[Androcles]

Still don't understand the question - if you paid off your arrears in full what is this extra amount - have you asked them?

[luckyforme71]

they are stating they are more arrears including repossession fees not getting any were with this company and nor is my solicitor. We have gone to FSA but no reply as yet. what can i do??? i'm at my wits end with the company

[sammy snake]

I don't understand why your solictior got involved so soon over a direct debit. How many payments were missed before you noticed in Sept 07?

[luckyforme71]

1 when sept 07 payment was not taken then in nov 07 i got a default notice and this is when it all started no one would talk to by phone or letters so in Dec 07 i went to my solicitor to get help. I paid in full �1193.03 in April 07 and now they want another �1564.37 within 21 days or they will take the car. i don't have that money i'm a single mum and work full time. i've offered to increase my monthly payments to clear this but have got no answer. the company RCI don't know what the left and right hand are doing. This was there fault and i was the one that picked it up and got no thanks.

[innocenti]

Have this company actually started court proceeding to get your car back? if they havent then how can they charge you fees to repo the car? The fees come from the cost of taking you to court.

If I was you I would tell them to take you court to repo the car and you can prove that they cancelled the direct debit, refused your payments and are trying to charge you for things they have never done.

In the mean time just keep paying your normal payments on time and forget about them. I would also write a letter to their CEO stating times and dates and that any court action will be defended.

Its not private and commercial finance by any chance?

[luckyforme71]

This is really getting to me. The company is RCI Financial Services and i'm glad to name and shame them so other people can be aware. They are stating i owe 4 months payments plus repossession fees of �264.37 the other �1300 is missed payments which is incorrect. To be honest you would get a better response from a child.

[luckyforme71]

hi to all who replied back. today i received a letter from FSA stating that i had been treated incorrect and RCI have 14 days as from their letter dated 9th May to reply back to FSA explaining why, lets see how quickly they reply.

[innocenti]

Ask them for a full breakdown of your account. All payments and debits to your account so you can try to find out where they claim these lost payments are from.

[beck07]

If they are saying that is their fault they cancelled your direct debit then dont pay any types of fee's!! If they had been moe carefull, then this wouldnt of happened! Tell them they will get their money monthly just lik eyour contract states. Dont let them push you about, people like this are money grabbing asses, they will try and get all sorts out of you! I had a problem with a finance company and stopped paying my payments and it took them nearly 3 months to collect the car!

[mizi]

Contact Watchdog and see if they can help you,they helped my son when he had the same problems with YES car credit

[luckyforme71]

have email watchdog nothing yet, but FSA have told me not to hand over the car until they sort out this matter. companies like this should be fined, they even had the cheek to say i cancelled the direct debt, then i found out were i purchased my car from are closing down.