Black Horse Car loan

[estela]

Hi

I am in my last payment to Black Horse. Las week I asked them to send me a statement of all my payments and there is a

"Collect Activity Fee £80.00

Returned Payment Fee £100

Late Payment Int 3.83

 

They ve told me this was 4 late payments on 2002 that will be collected at the end of the agreement.

 

As this is the only payment I "owe them" and had to be paid at the end of the month.

Is there a letter to ask them to end my agreement without paying this amount ?? I asked a guy on the phone when I make my last payment but he said that "they are not a bank" and bla bla bla.

 

Help please!!!

[craigdaw74]

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Edited May 12, 2008 by craigdaw74

[steven4064]

Hi estela

 

When is the loan due to finish?

 

I think your best bet is to reclaim the charges in the same way as bank charges - they are unawful. If you can complete the claim before te loan agreement finishes (it should take 6-8 weeks) all well and good. Otherwise you will have to pay these charges and then claim them back.

[drob]

Hi estela......

 

I claimed all my late payment fees, collection activity fees & late payment fees back from Blackhorse. It dragged out for several months, but they paid up just before i had to issue Couny Court proccedings.

 

You will have a battle with them but it's worth it in the end

[kaitlynn.cadence]

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