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PSA VT excess mileage and damages a little help please

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  • PSA VT excess mileage and damages a little help please

    Hi I am hoping to get a little advice on what the next step to take is please?
    So far the notice VT was sent and accepted.
    The car was dropped at a local auction site for inspection. I received a copy of the report which highlighted two smart repaired alloys and a small dent ( not visible on photos that small). I had exceeded the mileage allowance by 20 k over the almost three years.
    I received several letters the first stating that the damage was outside of fair wear and tear and a charge of £168 would be added. No images or breakdown were supplied. It also requested £1008 for excess mileage.
    I sent the reply template letter stating costs were unrecoverable under the CCA and that as I had paid £97 over the 50% required to VT that would cover any alleged damage. I asked for a specific breakdown with supporting images to compare with my own CAP assesment and images. To date I have not received this.
    Over the last couple of weeks we keep getting demands for payment account in arrears etc.
    Today I received the attached letter.
    What I would like to know is what is my next step from here?
    Also in the original agreement the excess mileage charges are different to what PSA are asking for strangely they are actually asking for lower.
    Any help would be appreciated.
    Thanks Lauren
    Attached Files
    Tags: None

  • #2
    Make a formal complaint to the FOS?

    You'll then get a template letter saying that they are looking into all cases of excess mileage and will get back to you when they have made a decision.

    Alternatively, you can pay up on the excess mileage charges or just ignore everything and see what happens.

    I have an example complaint template lying around somewhere I will hunt around and see if I can find it.
    Check out some useful guides below

    A guide to voluntary termination
    Seting aside a CCJ
    Completing an N180 Form (Courtesy of Jaguarsuk)

    - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
    LEGAL DISCLAIMER
    Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Some of the content I post may include example wording, letters, or other similar responses but they are intended purely for informational and educational purposes. Using some or all of the content I post may fail to meet your needs that is specific to your situation. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice and you can do this through the Law Society's Find a Solicitor database, by contacting your local Citizen's Advice Bureau or legal advice centres such as LawWorks. You may also be able to seek legal advice from your local university who may run a free (but limited) legal advice clinic to members of the public.

    Comment


    • #3
      Here's an example you can send to the FOS by email.
      Attached Files
      Check out some useful guides below

      A guide to voluntary termination
      Seting aside a CCJ
      Completing an N180 Form (Courtesy of Jaguarsuk)

      - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
      LEGAL DISCLAIMER
      Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Some of the content I post may include example wording, letters, or other similar responses but they are intended purely for informational and educational purposes. Using some or all of the content I post may fail to meet your needs that is specific to your situation. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice and you can do this through the Law Society's Find a Solicitor database, by contacting your local Citizen's Advice Bureau or legal advice centres such as LawWorks. You may also be able to seek legal advice from your local university who may run a free (but limited) legal advice clinic to members of the public.

      Comment


      • #4
        Thanks fort he fast response. That template would be greatly appreciated if you can find it.
        They appear to contradict themselves in the letters I get. Would it be worth pointing the contradictions out in My complaint? I guess they aim to confuse people, and almost bamboozle them into paying up.
        Iím quite happy to humour them for now see how it plays out!
        thanks again Lauren

        Comment


        • #5
          See above post.

          You will need to delete whatever isn't applicable to your complaint.
          Check out some useful guides below

          A guide to voluntary termination
          Seting aside a CCJ
          Completing an N180 Form (Courtesy of Jaguarsuk)

          - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
          LEGAL DISCLAIMER
          Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Some of the content I post may include example wording, letters, or other similar responses but they are intended purely for informational and educational purposes. Using some or all of the content I post may fail to meet your needs that is specific to your situation. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice and you can do this through the Law Society's Find a Solicitor database, by contacting your local Citizen's Advice Bureau or legal advice centres such as LawWorks. You may also be able to seek legal advice from your local university who may run a free (but limited) legal advice clinic to members of the public.

          Comment


          • #6
            Thanks again for that. I had literally clicked post and seen your reply. Thatís brilliant thank you. Iíll keep the forum informed of any developments.

            Comment


            • #7
              i have a copy of the template emailed to the FOS. Is there any benefit or need of informing PSA finance i have filed a complaint against them? thanks

              Comment


              • #8
                Probably best to notify them so that they are on notice of what you've done. The FOS may take some time to get in touch with them and if they do anything that harms you in the meantime, they can't argue that they weren't aware.

                Of course you don't have to notify them, but then you can't have your cake and eat it.
                Check out some useful guides below

                A guide to voluntary termination
                Seting aside a CCJ
                Completing an N180 Form (Courtesy of Jaguarsuk)

                - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
                LEGAL DISCLAIMER
                Please be aware that this is a public forum and is therefore accessible to anyone. The content I post on this forum is not intended to be legal advice nor does it establish any client-lawyer type relationship between you and me. Some of the content I post may include example wording, letters, or other similar responses but they are intended purely for informational and educational purposes. Using some or all of the content I post may fail to meet your needs that is specific to your situation. Therefore any use of my content is at your own risk and I cannot be held responsible in any way. It is always recommended that you seek independent legal advice and you can do this through the Law Society's Find a Solicitor database, by contacting your local Citizen's Advice Bureau or legal advice centres such as LawWorks. You may also be able to seek legal advice from your local university who may run a free (but limited) legal advice clinic to members of the public.

                Comment


                • #9
                  Click image for larger version

Name:	DBE22E2D-4A5F-46C1-93A4-B528247594EC.jpeg
Views:	1
Size:	83.7 KB
ID:	1479355 Good morning Rob. The latest developments are I have informed PSA of my complaint to the Fos. I am still waiting for the Fos to respond to my complaint. Today I received the letter from PSA passing the case to a third party collection agency.
                  Is there anyway of checking the status of my complaint to the Fos? It said in the response email it could be up to 10 days but itís way over that now. Also am I correct in thinking I donít have to Enter into correspondence with any third party agency, as I have no contract with them? Thanks

                  Comment

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