Advice needed, please help.

focist170

I bought a car on finance 5 years ago, they messed up the direct debit day up so the first payment was late. I payed this and sorted the direct debit day out. I couple of weeks later I got a 46 pound charge from them. I phoned up to complain and they said between the garage and the finance company there was a problem with the date. They said I had to pay it. I couldn't afford to pay it at the time so the person on the phone said just leave it to the end then pay it.

I have just finished the final payment on the car and they have sent a letter saying my 46 pound charge needed to be payed. Only problem is they have been charging me interest on this and I now owe 546 pound!!!

I asked at the time and was advised that no interest would be charged on the amount. Where do I stand, they have said they won't release the car till its payed and I can't sell it etc until this is cleared.

Is this legal? Can they do this?

stephane_2

Yes it's legal...you should have asked a written confirmation at the time.

CLAPTON

obvioulsy it is not interest; it's probably fees etc
I would suggest you demand a full statement of the account to explain the charges