PTSB car loan
Oh it seems that the same thing has happened to me. I took a loan out in 2007 for 15,000 - its due to end at the end of Nov 2012, just got a letter today, saying that i have to pay an addition 1,554 euro due to a shortfall. Well let me tell you they got the wrong person to mess with. I paid over 80% of my loan, I plan on making the rest of my 4 installments left on the loan, and that is it. they asked for an addition 6 installment after November 2012. The letter I GOT was so so rude, I have made a complaint to my branch and I am meeting with the manager on Wednesday I have also sent an email and spoke to their customer relations department. The woman in the Blanch branch was giving me misleading information I was furious with her, she saw it damn well. I have had loans with AIB, BOI also my mortgage with HFC and never had I seen this happen. I plan on going to the courts and to the FS Ombudsman and I made sure to write this in the complaint letter. I was just made redundant a month ago, they probably thought that the 5k redundancy is my new pay check, I wish! I shall not let them get away with this, THEY SEEM to be charging interest upon interest even though I have never ever been a second late on my loan. I clearly advised them that after the 30th of November I shall not be making any more payments. and I will not give up. I am transferring all my DD's onto a different account, my mortgage and canx some DD's already today. I cannot believe that they have the audacity to do this, and who gives them the right? I have read all the legal nonsense at the bottom, it seems that they made a mistake, the forgot to send me a breakdown, so I hope to get away without paying this ridiculous unfounded sum of money.
Hardly wait for Wednesday.