Response to Have they any right to make such demands?

There is a fair bit of case law on this...which I am sure the CAB will confirm. Whilst the Finance Co definitely screwed up, the final responsibility lies with your brother to ensure that his payments are made on time. He must have checked his bank statements, and realised that the DD's were not going out. If he didn't, then it's really his own fault to be honest. The debt collectors can be called off and I doubt he will have to pay the whole amount now, but he will have to pay all the missing payments (as he would have had to pay those anyway) and he should immediately furnish a bankers draft to the Finance Co for this amount. Your brother technically defaulted, so the record will remain on his file. I know it's not what you wanted to hear.

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