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I moved from being a contractor to a permanent employee in April 2019, taking a 20% pay cut. That put us struggling badly with a Civic costing us £472/month. Tried to trade in and move down to a Jazz at less than half that cost, with the Honda dealer telling us that payments normally overtake the depreciated cost at around 23 months. Tried at 2 years, to be told still £3000 below current value, come back in 6 months. went back at 2.5 years (3 year PCP) to find it was still £2000 short - and about that much lower than the guaranteed future value as well. Dealer said this was due to both Covid and because there's a new Civic model coming out next year. So, had to VTR or we go under. Now on a Toyota that costs us £250 - so head above water at last.
I've had a letter charging over £520 in excess mileage charges for 7,100 excess miles. Wrote to specify this wasn't applicable to VTR and had no resources to pay this, and have a legal-looking letter back that quotes CCA clauses 99 and 100 "not expressly prohibiting any additional charges", and referring back to the PCP contract. Also quoting 100(4) of the act relating my contractural obligation to take reasonable care of the goods.
Then offered to use the Fleet and Leasing Association and to make a complaint there, or to exercise my rights to complain to the Financial Ombudsman Service. I have no idea why anyone would treat the FLA as a balanced dispute arbitrator, nor whether I should write to the FOS - or indeed to just repeat my original citing of the CCA acts and precedents in question. Any views?
I've had a letter charging over £520 in excess mileage charges for 7,100 excess miles. Wrote to specify this wasn't applicable to VTR and had no resources to pay this, and have a legal-looking letter back that quotes CCA clauses 99 and 100 "not expressly prohibiting any additional charges", and referring back to the PCP contract. Also quoting 100(4) of the act relating my contractural obligation to take reasonable care of the goods.
Then offered to use the Fleet and Leasing Association and to make a complaint there, or to exercise my rights to complain to the Financial Ombudsman Service. I have no idea why anyone would treat the FLA as a balanced dispute arbitrator, nor whether I should write to the FOS - or indeed to just repeat my original citing of the CCA acts and precedents in question. Any views?
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