car finance reclaim

mommypig

I initially sent mine the same as yours , I contacted fca and they confirmed stellant , did the same form and had a receipt email , today I recieved confirmation that 1 of the 3 claims I put in had the discretionary payment added , they had charged me 12.5% APR !

MattMattMattUK

mommypig said:

I initially sent mine the same as yours , I contacted fca and they confirmed stellant , did the same form and had a receipt email , today I recieved confirmation that 1 of the 3 claims I put in had the discretionary payment added , they had charged me 12.5% APR !

Just because Stellantis used discretionary commission payments does not mean that they did on every contract, even more so with the companies that they have taken over. The actual rate has little to do with whether discretionary commission was charged. Some people on low rated will have had them increased due to discretionary commission and some on high rates will have not, there are too many variables for things to be that simple.

Nasqueron

mommypig said:

I initially sent mine the same as yours , I contacted fca and they confirmed stellant , did the same form and had a receipt email , today I recieved confirmation that 1 of the 3 claims I put in had the discretionary payment added , they had charged me 12.5% APR !

I am not sure where the surprise here comes in? The 12.5% was stated on the paperwork you signed so you knew what you were agreeing to. It's possible you were quoted 13.5% and DCA actually helped you as they lowered it, wait until September