Areas of Law / Bankruptcy Debt

Some time ago I got into financial difficulties and got behind with my payments to a finance company with whom I had an HP agreement. They sent me reminder letters and charged me £15 for each one sent, adding the amount to my outstanding balance. Are they allowed to do this?

You will have to look at the terms of your HP agreement carefully. You may find that you have agreed that the finance company is entitled to charge you for sending out reminders. If the finance company were to apply to the County Court for a repossession order you would probably be responsible for their legal costs too.

What our clients say about our lawyers

The advice provided was excellent and helped me in making key decisions.

A Satisfied Client


Read More

About Us

Leading legal advisors, problem solvers – all round good guys! We’re firm believers in a practical, no nonsense approach to law. Forget the jargon, we like to keep it simple – why complicate matters? No stress, no worry, just straightforward solutions to your legal issues. Free legal advice at your fingertips, from the experts to your inbox.

Free-Legal-Advice.co.uk is owned and operated by Farleys Solicitors LLP, a member of The Law Society and is regulated in the practice of law by the Solicitors Regulation Authority, Registration No: 484687. Any advice given on this site or in response to any question is only applicable to the law of England and Wales.

Privacy Policy | Terms