hire purchase agreement

[Davii33]

hi can anyone tell me if a hire purchase company are in breach of contract if they take to much money as payment than the contract states when u agreed to it? Where do i stand in regards to my rights and current regulations?

[Greedyfly]

I can't imagine it is if it was a genuine error. If you point it out and they don't change the amount or refund what they owe you/take it off the next bill then maybe.

[Davii33]

well this has been happening now for 3 weeks runnng, someone aid they had sorted it out but they obviousley havent, & on the 3rd week i had too pay an extra £19.19 apparentley just too get my yellow money out, the woman said it had been cancelled and it wouldent come out double this week but ive just checked my bank & £40 has been took again, what else makes me angry is that i was trying too sort the problem out & when they actually did, both employers started laughing & talking behind my back its very bad cutomer service, really need help with what i can do, ??

[factor-fiction]

I'm sorry but I don't understand some of your points- for example what do you mean by "get my yellow money out"?
Was it your bank's staff that were laughing at you or the HP company staff?
Maybe you inadvertently signed up for some sort of insurance /payment protection plan which accounts for the extra money.

[boxtops]

If you have signed a direct debit for the instalments then the bank are duty bound to pay what the HP company ask for - it is therefore the HP company you should be chasing. Do it in writing so you have a record of it, send them a copy of your bank statement showing all the incorrect payments, demand that they correct it.
What's Yellow Money?

[Davii33]

well its advance money if you pay too much it goes into your 'advance-money' and this is no error whatsoever, it was the HP company that was laughing & making comments & i havent signed up for any other payments, its £20 a week and ive been paying it nearly 2 years and they have only just decided too mess my payments about.