Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
right, Dec 1st i picked up my new car and took out finance with black horse...i was told by the garage first payment would be 1st jan and by law its gota be 30 days before they can take payment anyways.
28th december phone call from bank sayin black horse have tried to take the money, it wasnt in my account so i went to local branch, explained what happened they said i wouldnt be charged for it...rang black horse they agreed it was there fault (plus they never send out documents confirming the finance agreement) and said they wouldnt charge me.
got home last night to find 2 letters, one off black horse sayin they tried to take the money but couldnt but wouldnt charge me, one off HSBC sayin that a charge of £30 had been taken from my account
Rang HSBC few mins ago, they said it was nothing to do with them and to speak to black horse.
Rang black horse, they said theyve taken the £30, i asked why they sent a letter sayin they werent going to and why theyve done this as they admitted to me on phone that it was their fault and they apoligised, the guy just said he cant discuss this with me and that if i want to complain it has to be done by writing  wtf???
|
Reedy
Member
Registered: 11th Apr 04
Location: Hammersmith
User status: Offline
|
send them a real nasty letter.
Does your documents say that payments will start on the 30th if so you have got solid backing on it
|
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
i havent recieved documents
|
Rileysport
Member
Registered: 18th Jun 04
Location: West Yorkshire
User status: Offline
|
finance= utter shite 
|
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
quote:
Originally posted by SRi-Co
finance= utter shite
yes but at 18 i didnt have a spare £10k lying around to pay for the car out right 
|
Rileysport
Member
Registered: 18th Jun 04
Location: West Yorkshire
User status: Offline
|
don't buy a 10k car then 
seriously... make sure you get names and keep letters... they'll try skank you at every opportunity, i sent a car under finance back and got a 700 quid bill for "repairs" until i saw a solicitor about it... paid fekk all in the end
|
Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
|
at 18 u shouldnt be buying a 10k car
|
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
i wanted a nice car i can afford the payments fine if they come out on time 
aye i get the feeling theyre just trying to rip me off, legally though if they send me a proper letter saying theyre not taking charge, then go ahead and do it i have the upper hand yeah? i know its only £30 but thats not the point
|
Rileysport
Member
Registered: 18th Jun 04
Location: West Yorkshire
User status: Offline
|
checked the dates on the letters... letter will have been issued instantly when the payment bounced
|
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
quote:
Originally posted by Ally
at 18 u shouldnt be buying a 10k car
why? i earn enough, can pay that, insurance, phone bills, rent, food, petrol, i dont see the problem 
|
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
dates are29th....i spoke to them 28th
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
Have HSBC honoured the payment?
|
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
yeah they have
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
Have the levied any additional charge in order to do so as there were insufficient funds?
|
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
as far as i know, just the £30 as my pay went in the day after all this happened
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
So what are you losses?
|
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
|
Lynny what finnance deal do you have? (if you dont mind me asking)
|
Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
|
quote:
Originally posted by lynny_sxi
quote:
Originally posted by SRi-Co
finance= utter shite
yes but at 18 i didnt have a spare £10k lying around to pay for the car out right
Did a bank loan not appeal to you Lynny? Much easier in the long run and ALWAYS cheaper.
|
Melville
Member
Registered: 4th Jun 03
Location: Newcastle upon Tyne
User status: Offline
|
Best thing to do is to send a recorded delivery letter complaining and that you want the £30 back. You can never get anything done on the phone as they just keep passing you round departments.
|
Ojc
Member
Registered: 14th Nov 00
Location: Reading: Drives : Clio 197
User status: Offline
|
You lot are gay.
|
Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
|
quote:
Originally posted by Melville
Best thing to do is to send a recorded delivery letter complaining and that you want the £30 back. You can never get anything done on the phone as they just keep passing you round departments.
she has been refunded
All you can do lyn is write a letter complaining about the inconvienence it caused you, that way if it happens again you've got somthing to go on
|
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
i havent been refunded, im missin £30, its not much i knwo but its not the point....
|
Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Online
|
You're not missing it, you just paid it before you expected to, you were going to pay it anyway at some point?
|
Lynny
Member
Registered: 3rd Jan 03
Location: oop north! Where people talk properly
User status: Offline
|
no? theyve taken £30 for me missing a payment...a payment which they werent supposed to take. so basically theyve cocked up and charged me for it
|
