I am now at whits end with these bastards. Two years ago I bought(silly bugger I know)an item from Dixons through HFC Bank. To cut it short the arrangement was a loan at a normally high variable interest rate. Every month theres a problem with direct debit, between the variable amount changing and payments being made late by a day or two. Im not kidding, these people ring my mobile at least a dozen times a week(no joke), they outsource work to India or somewhere, so different people ring me all the time...the catch is it costs ME €9.75 everytime they ring.

So a monthly bill of €50 usually becomes €100 or so. I've a major pain in my ass with these people, I've repayed them twice over at this stage and I don't know what I can do. I now refuse to give them any more money than was agreed, Im not paying them to hastle me every single day. A mistake sorely learned, never again.

Anyone got any advice on how to get rid of them execution style?

Write a NICE letter explaining this to the Credit Manager at HBC, and tell him that you feel that you have already met the agreed amount, and you refuse to pay any more.
Tell him that you have proof of every payment made (you have, haven't you?) and that should he wish to pursue you further for monies that you do not owe, you will press charges for harassment and seek compensation for Psychological Trauma, and you will also be seeking costs.
Basically all you are saying is "F*** O**!, CYA in court!"

...you just gotta laugh at these planks, I've just been told that the monthly payment is gone up by a whopping €40....I asked why, he sayes something about fish shells in the Baltic sea is raising my payment plan....(j/k)....I knew variable was dodgy...but €40!...damn thiefs

I don't have all of the statements for when I payed them, do you reckon I'll get them in the post if I ask?

Since you quote Euros I presume you live in the Irish Republic?

If so you uneed to find the Irish equivalent of the U.K's data protection act and see if you have recourse under law to force your lender to disclose ALL data which they hold on you.

Variable APR lending for small[ish] items like electrical goods is pretty much unheard of in the U.K so again I can only presume there is a legislative difference between us. I would suggest you take your problem to whatever you have which passes for a citiszen's advice bureau or if HFC is really screwing you that badly then speak to a solicitor, it might cost money but it'll probably also save you quite a bit.

CSU: send some nackers to them people and then give the nackers €5 each

Quote from niall09 :

CSU: send some nackers to them people and then give the nackers €5 each

PM sent too 11Sully11