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I am currently in the middle of a voluntary termination with GMAC and I have been made aware of the following amounts owed:
Damage Liability: £463.50
Insurance Liability: £93.36
Excess Mileage: £1699.65
Here is also a breakdown of the damage details:
Sill Panel Left - Dent - £48.00
Front Alloy Wheel left - alloy smart repair - £55.00
Quarter panel - preparation marks - poor repair - £259.00
Rear bumper dirt in the paint - full bumper - refinish £101.50
In regards to the damage liability, they have now provided photographic evidence of what they believe the damage to be. Having reviewed this evidence I believe the damage they refer to is within fair wear and tear guidelines. The evidence provided for the quarter panel and the rear bumper show absolutely no evidence of poor repair as suggested, especially when no repair took place.
In addition to this, the inspector from Manheim did not make me aware of this damage until he printed off the report. I stated to the inspector that I strongly disagreed with his findings and would not sign to say I would be paying for these. However, I did sign to say the vehicle had been collected.
In regards to the excess mileage, I was contracted to do 30,010 miles but ended up doing an additional 18,885 miles. The excess mileage charge per mile is 9p per mile.
So I have a couple of questions about the above:
1 - What is the best course of action to dispute the "Damage Liability" having already stated that the car was returned within the fair wear and tear guidelines?
2 - Am I liable for the "Excess Mileage" costs as I have read conflicting opinions and seen cases where the ombudsman sides with the finance companies?
3 - What is "Insurance Liability"?
Damage Liability: £463.50
Insurance Liability: £93.36
Excess Mileage: £1699.65
Here is also a breakdown of the damage details:
Sill Panel Left - Dent - £48.00
Front Alloy Wheel left - alloy smart repair - £55.00
Quarter panel - preparation marks - poor repair - £259.00
Rear bumper dirt in the paint - full bumper - refinish £101.50
In regards to the damage liability, they have now provided photographic evidence of what they believe the damage to be. Having reviewed this evidence I believe the damage they refer to is within fair wear and tear guidelines. The evidence provided for the quarter panel and the rear bumper show absolutely no evidence of poor repair as suggested, especially when no repair took place.
In addition to this, the inspector from Manheim did not make me aware of this damage until he printed off the report. I stated to the inspector that I strongly disagreed with his findings and would not sign to say I would be paying for these. However, I did sign to say the vehicle had been collected.
In regards to the excess mileage, I was contracted to do 30,010 miles but ended up doing an additional 18,885 miles. The excess mileage charge per mile is 9p per mile.
So I have a couple of questions about the above:
1 - What is the best course of action to dispute the "Damage Liability" having already stated that the car was returned within the fair wear and tear guidelines?
2 - Am I liable for the "Excess Mileage" costs as I have read conflicting opinions and seen cases where the ombudsman sides with the finance companies?
3 - What is "Insurance Liability"?
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