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LEGALBEAGAL - Voluntary termination help

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  • LEGALBEAGAL - Voluntary termination help

    Hi there,

    i have written to my finance to give notice of voluntary termination via email on the 14/11/18 they didn’t reply so I again sent the same email to them which was a template I have copied from this site including the consumer act.

    They have said they have received my email and requested I sign paper work or my own letter to confirm that I give permission for the contract to end and for them to accept voluntary termination.

    From reading other post about this, I have learned that I do not need to sign anything so I have said this many times in my many emails to them and stating I know my rights that I do not need to sign any paper work as I can just give you notice and then that’s my part done.

    They said they will accept the voluntary termination once they have received my signature, then other emails have stated that I need to fill out their paper work.

    Within a few days of them sending this email to me they then said that the voluntary termination can no longer go ahead and they have requested for the car to be collected by the collections team and that the contract has been terminated. I asked what does this mean broken down and why they have decided that now after sending the notice that they are telling me that they have terminated the contract.

    Emails have been going back and forth and they are still wantin me to sign paperwork. But I have also have a letter to say that the collections team want to collect the car.

    Im not willing to give the car over to them as I need to know what terms the contract agreement was ending I.e voluntary termination or voluntary surrender or just plain and simple cancelled.

    I know that voluntary termination and surrender work differently and I will then be liable to pay for collection recovery cost and other cost inccurd.

    They claim in some emails that they have me notice to cancel/termination me the contract agreement and then emails stating that they need my signature to process the voluntary termination. I am not giving them my signature as I know this can be used against me to say I will be liable for extra cost like extra mileage.

    I have told them that there is no car insurance for the car as I have new car, no road tax as I cancelled to direct debit and now it’s mor has run out on the 14/12/2018. It is due a service too this month. I also stated that after they had received the email I sent 14/11/18 that I will have to impose a storage fee which I have read I am within my rights to do so as the car cousin be seen as abandoned.

    Im not sure what else I am to do from here.

    I dont want to gvie the car to the collection team as I’m not sure what terms the Finace has ended the contract, so I don’t want to end up with added cost. Can they issue to cancel the contract agreement after I have sent a notice of voluntary termination. I have stated to them that I can out a complaint in to their workplace about them pressuring me to sign paperwork that I do not need to sign. They also said that they will seek solicitors within the same email that they told me that the contract is cancelled and the collections team will collect so wait to hear from them, and when I replied that they can gladly involve solicitors they replied back to say that want my signature to go ahead with voluntary termination, so I’m gstting confused with all the different emails.

    Please can you advise what my next steps would be. Thank you
    Tags: None

  • #2
    Who is the lender?

    Can you post up the email they sent you saying you can no longer VT the agreement - personal info redacted.
    If you have a question about the voluntary termination process, please read this guide first, as it should have all the answers you need. Please do not hijack another person's thread as I will not respond to you
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    LEGAL DISCLAIMER
    Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice.

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    • #3
      It’s with rci Finace. Here are the emails with the dates included that I have been corresponding to.
      They do say in an earlier email that I have indeed paid 50% then claim in a later email that I have only paid a third. I do have a letter showing how much I have paid which is nearly £9000 amdthe finance was just under £15000 and shoes that’s there around £6000 left to pay.
      sorry again about posting on another thread I thought I posted this in the right place then noticed I hadn’t. I’ll go ahead and delete the other thread. Thank you

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