Afternoon...
I've looked at various threads on here relating to VT and BMW Financial Services (BMWFS), and there seems to be a running theme that they like to play 'hard-ball'; And it appears that I'm encountering the same tactics...
So my backstory is that I VT'd my Mini back in October 2018, and the vehicle was collected on October 31st by BCA.
At collection, some damage was noted, including a couple of scratches and some alloy scuffs, which was fair enough...
Fast forward to Nov 14th, and I receive an invoice via email, for a lower damage figure, which is agreeable, and an excess mileage charge of £821.82 equating to just over 14k miles over contracted.
Unfortunately as this was sent via email, it landed in my Junk folder, and I wasn't made aware of it until I received a 'Notice of Sum in Arrears' letter via the post in early December.
At this point, I contacted MiniFS via telephone, and was made aware of the outstanding invoice that was sent via email, which I located in my Junk folder.
This brought me here, and I downloaded a copy of R0b 's very useful template letter which I modified to fit my situation, and then emailed to MiniFS on 16th December; basically stating that I was happy with the damage component of the invoice, but would need to setup a payment plan for the value, and disputing the excess mileage charge.
I received a response to this via post just over a week later, a redacted copy of which is attached.
Essentially, they are flying in the face of the CCA and the Mercedes-Benz Financial Services vs Cahalane court case.
So I was wondering what my next steps should be.
Based on the wording of BMWFS' response, my only real option appears to be to take the complaint to the Financial Ombudsman. Any pointers on wording to use etc?
Thanks in advance for taking the time to reply.
Regards
Gavin
I've looked at various threads on here relating to VT and BMW Financial Services (BMWFS), and there seems to be a running theme that they like to play 'hard-ball'; And it appears that I'm encountering the same tactics...
So my backstory is that I VT'd my Mini back in October 2018, and the vehicle was collected on October 31st by BCA.
At collection, some damage was noted, including a couple of scratches and some alloy scuffs, which was fair enough...
Fast forward to Nov 14th, and I receive an invoice via email, for a lower damage figure, which is agreeable, and an excess mileage charge of £821.82 equating to just over 14k miles over contracted.
Unfortunately as this was sent via email, it landed in my Junk folder, and I wasn't made aware of it until I received a 'Notice of Sum in Arrears' letter via the post in early December.
At this point, I contacted MiniFS via telephone, and was made aware of the outstanding invoice that was sent via email, which I located in my Junk folder.
This brought me here, and I downloaded a copy of R0b 's very useful template letter which I modified to fit my situation, and then emailed to MiniFS on 16th December; basically stating that I was happy with the damage component of the invoice, but would need to setup a payment plan for the value, and disputing the excess mileage charge.
I received a response to this via post just over a week later, a redacted copy of which is attached.
Essentially, they are flying in the face of the CCA and the Mercedes-Benz Financial Services vs Cahalane court case.
So I was wondering what my next steps should be.
Based on the wording of BMWFS' response, my only real option appears to be to take the complaint to the Financial Ombudsman. Any pointers on wording to use etc?
Thanks in advance for taking the time to reply.
Regards
Gavin
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