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Voluntary Termination - Please Post the Outcome of your case.

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  • Dan_1127
    replied
    Excellent news, VWFS have agreed a settlement, no charges to be applied! Case won, case closed. Result...!

    Leave a comment:


  • GreggM
    replied
    Still waiting to hear my claim against BMW FS through the financial ombudsman. This has been ongoing for very nearly a year!. Hoping to hear something this year! I will post up the outcome.*

    Leave a comment:


  • jonevns1990
    replied
    Hi all, some good news!*

    Having spent a good 18 months arguing to and fro with BMW FS I can confirm the mileage charges have finally been dropped and the adverse entries to my credit file have been removed.

    This essentially came down to me accusing them of coercing and falsifying my finance documents. As R0b has mentioned multiple times, the people that read and respond to these letter are most likely low-level customer support workers with no real awareness of 1. The law, and 2. How to counter concise arguments, thus going on the offensive and dropping themselves in it.

    I won't go into the details but I am more than happy to supply you with my correspondence should you wish to see it.

    Keep plugging guys - you will get there eventually!

    Leave a comment:


  • Duffyscouse
    replied
    Originally posted by Bass Player View Post
    I started receiving demands for over £1000.00 worth of excess mileage charge in January after VT'ing in December.

    I ignored all the letters and then when the debt recovery company sent me a preliminary warning letter I emailed back to VW copying the recovery company in stating the legal precedents that had gone before and siting a breach in GDP law in passing my information to a 3rd party without my consent. I haven't received anything since and a recent check on my credit history shows that actually closed the account in December prior to trying to charge me for the extra mileage.

    Case closed and a big thank you for the information provided on this website.
    What quotes did you send ?

    Leave a comment:


  • R0b
    replied
    Hi LMAC,

    As the title suggests, this thread is for posting the outcome of your case.

    If you want some assistance you need to create your own thread I'll ask Amethyst to see if she can move yours and my post.

    Leave a comment:


  • LMac
    replied
    Hi,

    looking for a some advice or guidance on how best to approach my current situation with Audi (VW fiance)

    I voluntarily terminated my contract with Audi in early September and my car was collected by BCA on 09.10.19 as part of the process. I was aware that I had gone quite significantly over my mileage allowance so I knew I would receive a bill for this regardless.

    Howver during the inspection by BCA they found £753.60 worth of estimated damage, however the two workers both stated that they were in their view within fair wear and tear standards and soft the age of the car it is in “pristine condition” (2016 Q3) they added that if Audi say otherwise then I should challenge this.

    Today I have received my end of contract invoice from Audi with the full £753 worth of refurbishment costs being charged which when including their VAT goes up to £904. They state that the items fell below the standards of fair wear and tear. They have not broken down the charges nor have I received anything from BCA with the breakdown. My darling excess mileage is £706 plus VAT totalling £847.

    Whilst I don’t feel I can confidently dispute the mileage (though I know on here it states otherwise) I do believe that the majority of the refurbishment costs are unfair and took several photos and videos ahead of collection to support a possible dispute.

    if anyone has any experience with VW of this nature or step by step advice on how to challenge I would be almost grateful.

    Thank you :-)

    Leave a comment:


  • R0b
    replied
    Thanks for the post, good to hear your experience was straight forward - a shame that the finance companies don't have a consistent approach!

    Leave a comment:


  • Kelly0611
    replied
    I seen this post just as I started my VT in September with Advantage Finance. I used all the templates and read all the documents and went in prepared. Here's my story

    24/09/19
    VT lettter (using template here sent in)

    30/09/19
    Dropped the car myself to a auction site (was only down the road so I decided it is not worth the battle re collection charges). Did not sign anything as per advice on here, and handed over the keys. Car 11 years old with a few scratches and bonnet cable missing, but the engine had a lot of work done to it and was in fab condition. I also made a huge effort in cleaning the car to a very high standard. It was immaculate (I think this helps 100%, great advice!). I took over 30 pictures after the clean and videos too!

    15/10/19
    Confirmation from advantage that my balance is zero and they expect to report the changes to my credit report for the next run!

    All in all, brilliant! I reckon the advice and templates on here really helped as they set the tone, portraying you as someone who knows the regulations

    Thanks for your help R0b and everyone else who helped me

    Leave a comment:


  • Jenson M
    replied
    Originally posted by Bass Player View Post
    I started receiving demands for over £1000.00 worth of excess mileage charge in January after VT'ing in December.

    I ignored all the letters and then when the debt recovery company sent me a preliminary warning letter I emailed back to VW copying the recovery company in stating the legal precedents that had gone before and siting a breach in GDP law in passing my information to a 3rd party without my consent. I haven't received anything since and a recent check on my credit history shows that actually closed the account in December prior to trying to charge me for the extra mileage.

    Case closed and a big thank you for the information provided on this website.
    Still no news from VW?

    Leave a comment:


  • TDC55
    replied
    Originally posted by Aukey View Post
    Would keep it all in writing or record the calls just in case......you don't have to sign anything as VT is done regardless of what they say, there's better ways of explaining it but will leave that to others lol, gone down the right route with the photos though....
    This encouraging. I ended up taking VWFS to the FOS around April time, with similar issues. Still awaiting a reply from FOS

    Leave a comment:


  • Aukey
    replied
    Sweet, good to hear!

    Leave a comment:


  • Bass Player
    replied
    I started receiving demands for over £1000.00 worth of excess mileage charge in January after VT'ing in December.

    I ignored all the letters and then when the debt recovery company sent me a preliminary warning letter I emailed back to VW copying the recovery company in stating the legal precedents that had gone before and siting a breach in GDP law in passing my information to a 3rd party without my consent. I haven't received anything since and a recent check on my credit history shows that actually closed the account in December prior to trying to charge me for the extra mileage.

    Case closed and a big thank you for the information provided on this website.

    Leave a comment:


  • Aukey
    replied
    Would keep it all in writing or record the calls just in case......you don't have to sign anything as VT is done regardless of what they say, there's better ways of explaining it but will leave that to others lol, gone down the right route with the photos though....

    Leave a comment:


  • jackmarak
    replied
    UPDATED: 20/08/2019

    My experience so far... I will update as I go along.

    Car well under the mileage limit, professionally valeted, looking brand new. 90+ timestamped pictures taken of vehicle.
    Couple of acceptable wear and tear on exterior, measured on timestamped pictures. Pictures of documents and accessories also taken.
    Video of car starting up, mileage in view on dashboard.

    01/07/2019:
    VT letter sent.

    02/07/2019:
    VT letter received and signed for by finance co.

    05/07/2019:
    Rang finance co. to check progress of VT.Letter is with the "recoveries team" at the moment. Advised that they may accept it or they may ask me to sign documents. Obviously I'd be very surprised if they accepted the letter without trying to make me sign the papers. Advised to ring back by 9th/10th July.
    I will ring next Wednesday.

    09/07/2019:
    Rang for an update and apparently it's been noted on my file that they have contacted a collection company to come pick up the car. Apparently I'll get a phone call in the next few days to arrange this collection. No mention of signing any documents. Seems to be going too smoothly...

    10/07/2019
    Received phone-call from collection company and have arranged for the car to be picked up in the near future.

    15/07/2019
    Collection man has been and collected the car. Marked the car as clean with no issues. Politely declined to sign as per advice. He was understanding and pleasant. Car now going to auction.

    UPDATE: 20/08/2019
    Received a letter on the 17th explaining the balance is £0 and the loan is now settled. Extremely smooth from start to finish. Was expecting a little fight but to be honest, I was quite a bit over the 50% threshold and the car was in good condition for it's age, well under the agreed mileage. I guess that's, that?
    Last edited by jackmarak; 20th August 2019, 13:25:PM.

    Leave a comment:


  • Aukey
    replied
    VT with Motonovo, 2011 car with 112000 miles

    11/02/19

    Sent VT email

    15/02/19

    Phone call arranging to collect

    18/02/19

    Received letter outlining costs etc I may be liable for if bits missing and that the collection company will be in touch shortly to arrange collection. (Already had been)

    19/02/19

    Collected car in morning, 2 wheel trims damaged (Kerb rash, £21 each)

    25/02/19

    Received a letter saying terminated with no further liability (dated 20/02/19, the day after collection). No charge for wheel trims.

    2 Weeks start to finish.

    Going to keep an eye on credit reports just in case but it sounds like i've been lucky with mine after reading others experiences on here.

    Leave a comment:

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Voluntary Termination: Letter Templates
A guide to voluntary termination: Your rights

If you are having problems related to your car finance and would like some help and support dealing with it, please read the guide and make a new thread in the forum with as much information as you can.

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