Originally posted by Grahammcm1888
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The upshot is that BMW Financial Services have no legal right to charge you for excess mileage in a VT scenario, but that won't stop them trying, as they're attempting to do with yourself. If you ignore it, they will report your credit account to credit reference agencies (CRAs) as still being open with the alleged balance outstanding (despite your recent VT) and will report a missed/late payment entry for every month until such time as you pay them. This is an underhanded attempt on BMW Financial Services' part to try and bully the likes of both you and I into paying what they allege is owed. If you write to them, they will likely at first send you a load of waffle trying to justify their attempts to manipulate the Consumer Credit Act into their favour, before then ignoring any further correspondence from yourself.
I've tried to fight BMW Financial Services in the following ways so far:
- Writing to them
- Financial Ombudsman
- Information Comissioner's Office (ICO)
So far, I've had no joy. There is a contributor to this thread who has recently won a legal case against Mercedes Benz Financial Services for this exact same scenario, and we are waiting on them uploading the court judgement details at the moment.
My only realistic remaining option is to issue court proceedings against BMW Financial Services, as I'm not willing to pay an amount that simply isn't due.
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