RCI Finance for excess mileage

[Kpros]

Hi R0b not much to report other than I received a bog-standard letter from the financial ombudsman stating that they have requested all information from RCI and will get back to me once they have this.

[Kpros]

R0b Weirdly, a letter arrived today too, prior to me writing the above message. I have attached a copy. I am not entirely sure what to make of it and if it warrants a reply/I just leave it and wait? Any advice would be appreciated.

[R0b]

Hi Kpros,

Interesting letter, certainly a different stance to what they were originally spewing out which was always in favour of the finance co. because of what the terms and conditions stated.

Just remind me, what evidence did you send as part of your complaint? Did you include the transcript of the case, anything else evidence-wise?

[Kpros]

hI R0b , Following your advice I sent complaint form along with the Mercedes/Calahane court case transcript, and then later on sent them my complaint letter that was originally sen to RCI (they did not ask for this, but I sent it anyway upon them asking for the reply letter from RCI). I think that was everything

[R0b]

I think it is probably a case of sitting back and await the outcome. If I were to speculate, I think they will be reviewing the County Court decision and working out whether their approach to excess mileage charges should change in light of that decision. I believe there is at least a handful of people on here who have submitted a complaint following that CC decision and since the FOS is supposed to be consistent in their decisions, it doesn't surprise me that they are taking their time.

If you did want to reply, you could send an acknowledgement of receipt.

[Kpros]

Thanks R0b. I will keep my fingers crossed!

[R0b]

Let's wait and see - it will be a significant win if the FOS now change their decisions to reflect the County Court decision.

I presume you've had no further contact from QDR chasing you for the debt since your last reply to them?

[SantaBee]

Hi both, thanks for all the info on this thread, it's been really useful.
I've also just been contacted by QDR for a similar mileage claim from RCI Financial Services after a VT. They a re claiming I need to pay £578 in excess mileage after a VT in September 2017.

The first contact from QDR was by phone, where they refused to tell me what it was about as I had not given them my correct date of birth during security screening???
After a bit off Googling I worked out what it was in relation to.

I then received a letter from QDR.

The letter was addressed really strangely. Is there a reason for further complaint regarding this?
This is what was visible on the front of the letter.

Private & Confidential
[My surname] [A Date similar to my DOB]
[Street Name] [House Number] [Street Name]
[Town]
[Post Code]


It's a bit concerning that they've printed a date they obviously think is my DOB on the front of a letter...

[Dworrall]

R0b Kpros did you ever get this resolve via the FOS?

[R0b]

Still ongoing with the FOS currently reviewing their decisions on excess mileage. I dont think anyone has posted back with a decision since.

[Kpros]

Hi R0b I apologise for not coming back sooner. I have not received any alerts to notify me that I have had new messages.

I believe my last update on here was the upload of the letter from the FOS stating that they would review everything and then come back to me. They said it may take a while. In all honesty I expected to hear something by now, but this can't be a bad thing.

This week I received the attached letter from QDR.

You helped me draft a letter to them in November informing them that a formal complaint had been made and asking for no further contact until a decision was reached, as well as for all future correspondence to be via email, not post. They have ignored both requests.

I am guessing they have ignored the FCA rules and FOS? As well as me.

Any advice appreciated as ever

[R0b]

Hello

What do you want the outcome to be? You've previously said if they dont stop you'll consider their demands as harassment. So the only real step after this would be to follow through with that (on giving one more chance).

Have you reported the matter to the FOS since?

[Kpros]

Hi R0b,

This letter only arrived on Saturday, and I wanted to speak with you first to see what your advice was before rushing in. Obviously all I am looking for is for this to be dropped and to move on, but I do not know how seriously the FOS/SRA take this kind of thing (contacting somebody/harassing them when a complaint has been lodged?

I was thinking that you would probably suggest reporting them to FOS, as well as the SRA?

I drafted this Saturday evening. What are your thoughts? I respect and appreciate all of your advice and follow your advice.

Dear Sir/Madam,

I am writing to you in response to your letter dated Thursday 28^th March 2019 which you sent me via the post.

As you are aware, I wrote to you on Friday 2^nd November 2018 informing you that a formal complaint had been made with the Financial Ombudsman regarding this alleged debt of £xxx.xx. I also informed you that a copy of this same letter was sent to RCI Financial.

I stipulated very clearly in the letter that in accordance with the FCA rules all correspondence relating to this alleged debt should cease until there was a conclusion of this complaint and failure to comply with this would be deemed as harassment.

As this complaint is still ongoing and there has not been a conclusion, you are now harassing me.

This letter has caused me a great deal of distress. I will now be considering all of my options which include potentially recovering my damages and reporting you to the Financial Conduct Authority, The Financial Ombudsman Service and the Solicitors Regulation Authority.

On a final note, I made it perfectly clear that I did not consent to you contacting me through any means other than email. You have ignored this by writing to me in the post. This has caused me even further distress.

Yours faithfully,

xxxxxxxxxxxxxxx xxxxxxxxxxxxx

[Kpros]

R0b this was just a rough letter, I appreciate that it probably needs amending!

[R0b]

I will take a look at some point today and get back to you