does a finance comppany have a duty of care to there customers

[LORDPSK1]

i have written several letters to my car fianace company, none have received an answer, could anybody please advise if they have a duty of care to there customer and can it be classed as negligent

[Ethel]

Have you sent them recorded delivery, so you have proof of receipt?

[LORDPSK1]

yes have sent them by special delivery and have copy of signed delivery ticket from royal mail

[LORDPSK1]

also have copy of signature

[Oneeyedvic]

Is the agreement a regulated agreement - ie is it for under �25,000 and is it to a person as opposed to a limited company)

What exactly are you trying to sort out?

What do you mean by "duty of care"?

[LORDPSK1]

The agreement was for less than �25k, I have paid more than a third of the price of the car and I came of work sick, I am covered by sickness insurance but they are messing me about so no payments have beeen made on the care, I have started the payments, the finance company don't want the car back but want the security of repossesing the car if I don't pay, so they are taking me to court to apply for a repossession order should I not pay they can come and snatch the car, I am defending the case by stating they ignored my letters with offers of payments when I first went sick and a secong letter asking them to reply, the judge has given direction that I have to prove to the court that they have failed in ther duty of car to me.

[Oneeyedvic]

Okay, I understand now, but being honest it is above my technical expertise.

I wouldn't want to give wrong advice, so I will bow out now and hopefully someone will come forward with an answer for you.

[mumtoone]

Hi.
The best thing I can suggest is contact a local solicitor and ask fro a free half hour consultation, get all the paperwork ready and all the questions, they shouldbe able toput you in the right direction.
Good luck