Hi I hope I am posting this in the right place
My daughter has a loan with RCI Financial Services,while she was off work,signed off due to broken shoulder/depression,she fell behind with payments,once she was back at work,she ressumed payments and made a lump sum payment to catch up with the arrears,she cancelled the DD and made the payments over the phone,not sure why but she fell behind again,so she phoned them to come to an arrangement,which they agreed to.
Then she must have been late again as she received a Default Notice stating that she owed arrears of £996.00 now there is also on the notice Administration charges of £709.49
19/11/2007 Sent SAR to RCI
19/11/2007 Sent CCA to RCI
14/11/2007 Received letter stating that as she had failed to comply with the default notice,and that the Agreement had been terminated
03/12/2007 Received letter from RCI saying that they have been trying to contact her regarding the payment she tried to make with a debit card (now she had tried to phone them but could not get through)
also stating her account was still active.
9/12/2007 Sent letter asking for more details of the payment that she had tried to make(as I said before she failed to get through to them)
I also reminded them that they hadn't complied with the CCA or SAR of which both cheques were cashed 28th november.I also requested a copy of their complaints procedure.
We still haven't received anything from them.
Any advice on what I should do now or do I give them more time we are going to send a cheque for the normal monthly payment plus a bit extra.