HPF Credit Agreement

three1ne

We bought a bed from carpet right and paid via HPF over 12 months. 
£849.99 total.
12 payments of £70.83
Total repayments £849.96
Final payment is due in 2 weeks. The final payment is listed as the usual 70.83. If I click on 'settle agreement' that is also 70.83.

Im tempted to settle then make a seperate payment of 3p.although unsure if that is possible. 
I'll contact them when possible but wondered if anyone had any insight into this here. 

Thanks

[Deleted User]

Why do you want to pay an extra 3p?

three1ne

70.83 x 12 leaves my total balance with an outstanding 3p

Fighter1986

Probs best to settle up over the phone to ensure you're paying the right amount in that case. 

MinuteNoodles

+1. This has the possibility of turning into one of those farcical situations due to automation and a 3p outstanding balance.

maxximus75

Don't leave it to chance.  If there is the odd 0.3p left to pay you could find yourself in a while heap of interest.

Call and get a full and final settlement figure, the agents name, make the payment and ask for a follow-up email/letter to confirm complete account settlement.

Also, don't leave this until the last mintue to do... I would even suggest paying somewhat early to allow for some wriggle room for any "mistakes" that could arise.

Good luck!