VT with RCI Finance - Nissan

[R0b]

You are over-complicating it. All you need to say is that notice was given on X, delivered on Y and that was the termination date.

[mackem79]

You are over-complicating it. All you need to say is that notice was given on X, delivered on Y and that was the termination date.

Ok thanks R0b and good morning.

For clarity, can the email we first sent be considered as sufficient notice for the direct debit as opposed to the letter?

[R0b]

Whatever notice came first is sufficient whether email or post

[mackem79]

Whatever notice came first is sufficient whether email or post

Ok that's helpful, thank you again R0b

[Bane]

Yes don’t sign anything. Mine took less than a week, but it was within mileage and pristine condition. Either pay the mileage or challenge it, trawl the forum for some advice for the latter.

[mackem79]

Yes don’t sign anything. Mine took less than a week, but it was within mileage and pristine condition. Either pay the mileage or challenge it, trawl the forum for some advice for the latter.

That's helpful thanks.

They continued to insist we owed the outstanding DD payment but if I'm honest their emails were poorly written and often contradictory to previous ones. We were also received threatening letters from Nissan Finance as opposed to RCI which is also baffling (I know they are the same but its still mixed messages).

My wife called them to complain and they have 'supposedly' promised to adhere to the first date, which is the email we sent, and waive the latest demands for the DD payment. My only apprehension is that this was a phone call and they could potentially deny it but I have to hope that they are being genuine. I've asked my wife to make a good record of the call should we need to rely on it later.

I'm now waiting for the contact from the collection company, watch this space.

As previous, I'm grateful for all help thus far.

[mackem79]

Hi R0b and others;

An update - Manheim have arranged to collect the vehicle tomorrow. Interestingly they contacted my wife today (she is owner) to ask about mileage, she said she didn't know and they pushed her to estimate, which she couldn't, then they asked if it was over or under 44k though again she told them she did not know.

I will be there when they collect the vehicle but will refuse to sign anything, the vehicle has been cleaned inside and out and I've taken lots of pictures of it all.

I don't expect a smooth completion to the saga but I'm happy the process is moving on and again very grateful for advice received so far.

[R0b]

No need to sign anything, though if you can get a copy of the damage report or at least take a photo on your phone in case that report changes when it gets to auction.

Also suggest taking a photo of the odometer too as proof as to what the mileage was on handover.

[mackem79]

No need to sign anything, though if you can get a copy of the damage report or at least take a photo on your phone in case that report changes when it gets to auction.

Also suggest taking a photo of the odometer too as proof as to what the mileage was on handover.

Will do, thanks!

[mackem79]

An update;

Guy from Manheim came today and spent about 40 minutes looking at the car. He gave me his report which was clear aside from a small scratch he found on one of the doors which wasn't big but deep enough for him to say it was worthy of note.

He asked me to sign his tablet which I politely declined, he then asked me to sign it a second time but the second time was, as he told me, solely to agree they had taken ownership of the car, as I wasn't sure I politely declined to sign this also. The guy said it was to show I no longer owned the vehicle and it was time and date stamped and cited the example of the car picking up speeding or parking tickets from that date/time to make sure I was not liable, I pointed out that the log book should show this and there was plenty of evidence / information that the car had been taken by Manheim.

The only thing I took exception to was, when he signed the log book he completed the date and mileage section, which I had deliberately left blank, I told him I was not expecting him to complete this section but he couldn't see the issue with it.

The car has gone now and I will wait for RCI to try and charge me for the scratch, anything else they 'may' find and a few thousand excess mileage based upon the PCP deal when we bought the vehicle, which I will resist paying.

Thanks again for all the advice R0b and Bane , as always it is appreciated, I will keep the forum updated.

[mackem79]

Good evening R0b and Bane.

We have now received an invoice from RCI requesting over £600 for 'exceeded mileage'.

Strangely, there is no covering letter or any other explanation as to why they are seeking the payment.

By their calculations, the mileage of the vehicle is approximately 7,500 over that which we agreed with the garage at the point of purchase.

We declared 8k miles per year though obviously have done slightly more, the car is still below average miles for its age assuming the average is around 10k per year.

Naturally I am not keen on paying this and would appreciate advice on how best to respond. I've looked over the template letter on your signature R0b and am likely to use is (or similar) but without any covering letter on the invoice it seems a little unusual replying in such a manner.

As previously stated, we did not declare any mileage to RCI or Manheim, nor did we sign any of their documentation.

Thanks again in advance.

Edit : I must add that we have paid a few payments OVER the 50% if that is of any use, quite possibly more that £600 actually.

[mackem79]

So today we received a letter with a little more, but not much, detail than the invoice. There are no additional 'charges' aside from the excess mileage.

I am intending to email them using the template letter previously mentioned unless you guys think I should take a different course of action?

The letter suggests I have 14 days in which to pay!

Thanks again.

R0b Bane

[R0b]

If none of the charges are clear as to what they are, write back to them and ask them to provide a break down so you can consider your position.

[mackem79]

If none of the charges are clear as to what they are, write back to them and ask them to provide a break down so you can consider your position.

Mornoing R0b

In the latest letter they have broken it down. I don't owe anything other than excess mileage (no damage etc).

In their letter they said that if I had any issues with the invoice I should call them. I definitely don't want to call and would much rather have an email conversation with them. Its all recorded more transparently and quicker than postal obviously.

I imagine I email them with my views and base an argument on the template letter you have on your profile?

Thanks, again.

[R0b]

Yes, it's a case of that and keep it in writing, mention specifically if you feel you have to and that you won't discuss other than in writing to for transparency and evidence reasons.

If you think you've paid over the £600 then you might want to read the post I made today on another thread, link below.

https://legalbeagles.info/forums/for...-depot-pcp-fca