VT WITH MERCEDES BENZ FINANCE. Now at the stage of receiving letters from Solicitors

[MikeFletcher]

Hello I posted this on the back of another thread (sorry!) and was asked to create a new one to make things easier.

I went through a VT with Mercedes in Sept last year and then commenced a new agreement for a new car (also from Mercedes). I received letters referencing charges to settle some months later, but there was no breakdown in charges initially and all the docs received stated an 'balance due' but didn't actually state the numerical amount (turns out there was a misprint on the letters they were sending out). I subsequently requested a statement/breakdown of charges which was all based on excess mileage, £1.9k worth -I then disputed this in Nov 19 with the attached.

I've since had the claim rejected using there what looks like standard response and had the account passed over to DLC to chase and subsequently Mortimer Clark where in touch last week. I was under the impression mileage charges sit outside of the credit agreement and are hard to enforce?

As mentioned on the other thread, I am in the process of buying a new house so I cant really handle the additional cost right now and MChave offered a payment plan but I curious if this will have an adverse effect on my credit.

Curious on peoples experiences and if they have successfully circumvented the charges? Sorry if the post is a little 'rambly', I was just trying to get all info in there - Any help/advice is greatly appreciated.

[des8]

you have left your identifying details on the attachment... suggest you remove it and reattach suitably sanitised

[R0b]

This link is the Mercedes County Court case that you referred to in your letter.

It is entirely up to you as to whether you pay up or don't pay up, but given current circumstances any court hearing will be at least 6-10 months away, maybe longer if Coronavirus impact gets worse. If you think you can save money over those months to cover the balance claimed and the cost of application fees which is probably another couple hundred quid, then why not give it a go and have your day in court?

If you do come to a payment plan, it shouldn't be recorded on your credit file as adverse but there are no guarantees that Mercedes won't record an adverse entry on there. Any settlement you make should be made clear that it is done so on the basis of no admission of liability.

Otherwise, stick two fingers up at them and invite them to issue proceedings and that you'll see them in court telling them you are going to rely on the previous decision as persuasive authority as well as other legally binding authorities to support your defence.

[MikeFletcher]

thanks for the input, I'll have a think and decided where to go with this - leaning towards telling them to crack on with proceedings.