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Hi,
I underwent a Voluntary Termination on a 2nd hand car with my finance company back in January this year, I just had to pay them a little extra which made up to the 50% I owed to terminate the agreement. I handed back the car with all the paperwork, keys etc to an Auction House where I was instructed to and never heard a word since.....
Just to add though I did sign a little slip they gave me (yes, stupid but I didn't know any different at the time) just to say I'd given them the keys and all the paperwork and the car was in a reasonable condition as per the terms of my agreement........... it's done now there's nothing I can about it.
Anyway as I said, never heard anything back, UNTIL - A default appears on my credit file relating to the loan. Bit odd I thought, must be an error. So I rang them up, spoke to a chap who didn't really have a clue but said there was £1,150 outstanding relating to repairs to the vehicle. I asked him well if that's so why on earth has it taken you 8 months to tell me about them? As I say he didn't really have a clue - so I then receive a call from his Manager.
According to her: a) They can default me for these repairs? I think not, as it sits completely separate from the original credit agreement which was terminated and I have their confirmation of that in writing.
b) When I was asked why I wasn't told about being defaulted or chased for what I apparently owed for 8 MONTHS, her response was it was up to me to "Keep calling in to find out?" HA! Oh and apparently letters were going to customer in the next few days due to a back-log! So I asked her for FULL details of all the repairs including receipts etc
MAGICALLY the next day I had a letter - which had a copy of that stupid slip I signed and a whole load of photos of the external repairs that were required and a big list of them totaling £806 - and the rest apparently of the £1,100 is the difference of what they didn't make back on the car when it was sold!! Really?? Can they do that??
So a few things:
1. These are not receipts of the work that's been carried out, they are estimates.
2. 2 or 3 of the photos show damage which was not on the car when I dropped it off - Guess what? Yes I took photos which I still have nicely time and date stamped.
3. I don't know when they took these photos? There was no date on them or the estimate. Apparently they didn't sell the car until June either. I don't know what they've been doing with it for 8 months? Reversed it into a wall by the looks of the bumper.
4. This is a 10 yr old car, condition was average maybe one small dent, very few scratches, fully serviced and maintained, tonnes of new parts, I fitted a £200 aftermarket touch screen stereo as well.
So I'm thinking:
1. I write and tell them to remove the default or I go to the Ombudsman
2. I incorporate one of the post-VT letter templates I can see on here RE the damage
Your thoughts on this and advice would be greatly appreciated.
Thanks,
Axle
I underwent a Voluntary Termination on a 2nd hand car with my finance company back in January this year, I just had to pay them a little extra which made up to the 50% I owed to terminate the agreement. I handed back the car with all the paperwork, keys etc to an Auction House where I was instructed to and never heard a word since.....
Just to add though I did sign a little slip they gave me (yes, stupid but I didn't know any different at the time) just to say I'd given them the keys and all the paperwork and the car was in a reasonable condition as per the terms of my agreement........... it's done now there's nothing I can about it.
Anyway as I said, never heard anything back, UNTIL - A default appears on my credit file relating to the loan. Bit odd I thought, must be an error. So I rang them up, spoke to a chap who didn't really have a clue but said there was £1,150 outstanding relating to repairs to the vehicle. I asked him well if that's so why on earth has it taken you 8 months to tell me about them? As I say he didn't really have a clue - so I then receive a call from his Manager.
According to her: a) They can default me for these repairs? I think not, as it sits completely separate from the original credit agreement which was terminated and I have their confirmation of that in writing.
b) When I was asked why I wasn't told about being defaulted or chased for what I apparently owed for 8 MONTHS, her response was it was up to me to "Keep calling in to find out?" HA! Oh and apparently letters were going to customer in the next few days due to a back-log! So I asked her for FULL details of all the repairs including receipts etc
MAGICALLY the next day I had a letter - which had a copy of that stupid slip I signed and a whole load of photos of the external repairs that were required and a big list of them totaling £806 - and the rest apparently of the £1,100 is the difference of what they didn't make back on the car when it was sold!! Really?? Can they do that??
So a few things:
1. These are not receipts of the work that's been carried out, they are estimates.
2. 2 or 3 of the photos show damage which was not on the car when I dropped it off - Guess what? Yes I took photos which I still have nicely time and date stamped.
3. I don't know when they took these photos? There was no date on them or the estimate. Apparently they didn't sell the car until June either. I don't know what they've been doing with it for 8 months? Reversed it into a wall by the looks of the bumper.
4. This is a 10 yr old car, condition was average maybe one small dent, very few scratches, fully serviced and maintained, tonnes of new parts, I fitted a £200 aftermarket touch screen stereo as well.
So I'm thinking:
1. I write and tell them to remove the default or I go to the Ombudsman
2. I incorporate one of the post-VT letter templates I can see on here RE the damage
Your thoughts on this and advice would be greatly appreciated.
Thanks,
Axle
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