I'm writing on behalf of a friend who purchased a suite from a furniture company. He went through their finance option, where he has to pay so much a week or month via direct debit.
I'm going to pay off the debt, but looking through letters from the finance company "Creation Consumer Finance Ltd Belfast" i see they have added fees due to payment problems, so i would like some advice before i make payment.
Are these fees legal, and will i have to pay them?
One arrears letter states they have charged an administration fee of £25.00 for sending a letter.
Another arrears letter states due to the failure of the direct debit commitment, they have charged a further £30.00 administration fee.
Thank you for your time.