RCI Damages on VT

[gingermandan]

Ok sent them another letter saying they need to prove that i caused the damage and how that i thought a fairer way of judging damage was to use the CAPHPI guidelines. And they have replied saying

"Thank you for your email. Unfortunately, as per your signed Voluntary Termination slip, we would have to charge for any damages deemed to be outside of the BVRLA fair, wear and tear guidelines. Furthermore, section 99(2) on the Consumer Credit Act advises that the termination of the agreement would not affect the liability that was due on the agreement before the agreement was terminated. Therefore, the damage and excess mileage incurred on the agreement prior the Voluntary Termination would still have to be charged for.

As well as this, section 6 of your signed agreement document advises that you would be responsible for any damages incurred on the vehicle. Please find attached a copy of your agreement document for reference."

I did sign the form but only as it said "It must be signed by the customer" in bold underlined text. I realised that i never had to sign it only after the event

They keep asking me to get the pre inspection form from the dealer i bought it from. Should i get this because the onus is on them to prove i did the damage. this form wont be correct anyway as the car had crash damage repaired New front bumper and rear side panel

Any help would be grateful at this point as i have run out of ideas on how to reply









HI Everyone. I VTd my Renault recently. Mannheim collected the car and said about the damages. I signed to say I contested the damages and waited for a letter from RCI.
Once RCI sent the letter stating I owed £1217 for damages.
I obviously challenged this by phone and they admitted its mainly to get money back. I sent the letter template to them saying I would pay for some of the issues as I was missing a Key and there was only a part service history. However the other damage was wear and tear.

Now they have replied saying they cant accept offer due to the damages and I should go to the dealer and get a Pre inspection report that will show the damage before I brought it.

My question is in the email I sent it stated they need to prove I caused the damage so why should I have to get the report? What are my next steps here?

[gingermandan]

Bump

[gingermandan]

Please can anyone give me some advise as I now have no idea what to do as RCI have replied the following. Good Morning,

Thank you for your email. I can confirm that the vehicle you have returned was sold at a loss which was greater then what we are asking you to make payment of. We are not at liberty to disclose this amount.


If you choose not to make payment within the allocated time, we will unfortunately have to pass your debt onto our solicitors.

This is our final stance on the matter. Please note that your balance will remain outstanding on your credit profile until it has been paid.

Any help would be appreciated. Who I can tag or whether they can add to my credit file when the agreement has been terminated

[R0b]

Hello

So just to be clear, they are telling you that you owe an amount of money because the car sold for less than it expected but they won't disclose how much that loss was?

They've said that's the final stance so make a formal complaint to the Financial Ombudsman. I suggest that you write to RCI and tell them that is what you intend to do because their position is wholly unwarranted in refusing to tell you how much greater that loss was and failure to provide evidence that the loss was contributed to you and not other factors.

As for the point on the credit file, you should tell RCI that the amount is in dispute and they should refrain from reporting any adverse entries on your credit file until the complaints procedure has been exhausted. If they ignore that then you reserve the right to seek compensation through the Financial Ombudsman and/or through legal proceedings for breach of the GDPR.

Otherwise if you don't want to go through all of this, pay up now.

There is plenty of information about how finance companies use these threats to get people to pay up and I've said it more than enough times. I suggest you do some research on this forum around RCI and Blackhorse and you can then make an informed decision.