Voluntary termination referred to debt collection agency

[LexingtonBla]

Hi all,

I went through the process of a voluntary termination for a Hire Purchase from Vauxhall finance (formerly known as GMAC UK)

I used the template letters and advice given to others on this forum and thought I had managed to avoid all the usual pitfalls. I did not pay the collection fee they demanded and I refused to sign a document outlining charges following the inspection of the vehicle.

The company asked for a three figure sum, which I felt was extortionate given the condition of the vehicle.


Today, after 3 months of no contact I received a letter from Vauxhall Finance and one from I*t*um, an agency which has bought my debt. I have attached their communications below.

I have done a search for information about this company online and I have come up short. Has anyone had any experience with them? What is the best way to go about things?

I am not in a position to pay what they are asking and frankly I do not believe it is a fair sum anyway.

Thanks in advance !

[Amethyst]

What ?



so what is the £500 odd for if theres no finance, damage, insurance excess mileage or charges/interest ?

You mentioned a collection fee that you refused to pay ? That can't have been £500 - and should be listed in fees/charges...

very weird. Have Vauxhall previously given you a breakdown ? ( they don't seem to have given it to Intrum if so )

Is there anything on your credit file ?

R0b

[LexingtonBla]

Thanks for your quick reply.

I received a letter from Vauxhall about 2 weeks post collection which detailed charges for alleged damage to the vehicle e.g. bodywork and so on.

[R0b]

Read point 6 of the thread below, it sets out some steps you might want to take. Unfortunately, it's simply a case of pay up or dispute it. You may also want to check your credit file, because as I read that letter Intrum are suggesting they are going to update credit reference records. If that is the case, you either pursue them for breach of data protection, do nothing or pay up and accept any adverse entries.

There's an abundance of information on this forum on voluntary termination and especially in this sub-section. I would suggest if you are stuck, have a browse as your questions have probably been answered already.

https://legalbeagles.info/forums/for...on-your-rights