Excess mileage

[MK9]

I have recently done VT on car and are being charged almost £3000 excess mileage as well as £800 for damages. I used the template letters claiming as I have paid 50% I have no more liability.
However they have responded with counter claim using common law of misrepresentation regarding unexpected depreciation. They claim that I misrepresented my intended use of the vehicle.
Not sure what to do next.

[R0b]

Do a search on the forum, there is plenty of information on here and a recent post with the same issue. I assume the finance company is FCA since they like to use the common law misrepresentation argument. You'll find there's example responses to their letters.

You may have a counter-argument to say you were mis-sold either because you weren't told about the annual mileage and it was hidden in your contract which is a significant term that should have been drawn to your attention, or alternatively you could say you were mis-sold if you were told by the salesperson that you could VT without any penalty.