PSA Finance - Disputing Collection Fee Cost

[Benb135]

Hi,

I started a thread a few weeks ago but didnt receive any response so I thought I would include a bit of further information.

After reading R0b guide to voluntary termination, I used his template to make PSA finance aware on 17 September 2018 that I was terminating the agreement and gave them 14 days notice to respond and arrange vehicle collection.

I didn't receive a response from PSA for over 2 weeks, anyway, eventually they replied and stated there was no liability due on the car but the remaining about of GAP insurance was still due.

Their letter also included a document for me to sign basically saying I want to proceed and I agree to pay any costs for damage and excess mileage, as from reading posts on here I refused to sign this document by emailed PSA to advise them I do wish to proceed.

Anyway I've heard no more from PSA and today I rang them to tell them their vehicle needs to be collected from my property as its no longer taxed or insured to be on the road (its off the road outside my garage currently). Their adviser told me that I have to pay the £80 or if not it will be added to the amount outstanding for the GAP insurance.

I then told them that my liability is paid well 50% of so I will not be paying the £80 for them to collect their own car.

I have just sent off a copy of the disputing collection charge letter from the templates on here.

I have prepared a further letter using another of R0b template for the intention to sell goods.

My questions are do I have to pay the collection fee or would I be best to if they continue to refuse to collect the vehicle proceed with a notice of intention to sell goods under the TORTS.

Any advice is greatly appreciated.

Thanks

Ben

[R0b]

Hello

Sending the Torts notice is one way of grabbing their attention albeit not without its flaws. You can try to sell it privately but if someone does a HPI check it will likely flag up and you will have a hard time convincing them to purchase it. Equally, an auction site might refuse to deal with it if it has finance attached to it, although they may be more amenable if you can evidence that you've tried to make contact with PSA although it is possible they would still refuse on the basis that those front line people may not know the law and therefore not worth taking the risk.

You could, as an alternative, remove the car from your property and put it on a public highway. Arguably this could be seen as a little riskier because an untaxed or uninsured car may get towed away but as long as you have given PSA notice and sufficient time to remove it, then they only have themselves to blame. If you do go down this route then I would suggest you notify the DVLA of a change of ownership and wait for their confirmation that it has been updated. The quickest and fastest way is to do this online via https://www.gov.uk/sold-bought-vehicle

Some people prefer sending the torts notice whilst others have threatened to removing it from their drive. Either way, I've yet to see a finance company call someone's bluff and somehow they conveniently look to arrange immediate collection. Removing the car from your property will require you to make it clear in your what you are doing and that from that day forward, the responsibility rests with the finance company.