Landrover VT - Blackhorse

[Slazenger]

Hello All,

Attached is my finance doc:








The section on termination on the front is pretty clear, pay half its over, cars in good condition, all sorted.

On the rear section 4 relating to good condition is pretty clear.


But

Clause 9 just sends you round the houses and isn't clear at all?

Can anyone help?

[Slazenger]

Clause 9 activates clause 6.3 regarding mileage.

Which contradicts 'Termination : Your rights' section on Page 1.

[Slazenger]

Page one reuploaded

[R0b]

Don't see what the issue is, clause 9 is crystal clear to me - return the car in line with clause 7 and make the payments in accordance with clause 11, so what's not clear about it?

[Slazenger]

Don't see what the issue is, clause 9 is crystal clear to me - return the car in line with clause 7 and make the payments in accordance with clause 11, so what's not clear about it?

Clause 11 references clause 6.3 in regards to mileage, which surly if VT'ing shouldn't be a term?

The car is over is pro rata mileage by around 5k miles.

[R0b]

VT is a legal right, but that doesn't prevent lenders from inserting contractual terms which can still apply in certain circumstances.

Not sure what the issue is and perhaps you don't quite understand how VT works so I suggest you have a read of my guide below.

https://legalbeagles.info/forums/for...on-your-rights

[Slazenger]

Yes I understand this.

VT is as defined in page one. Once £41,585 is paid the agreement ends. Although on page one, they include ''plus any overdue instalments'' are they classing the mileage payment as an over due instalment?

My question was around the fact the 'Termination - Your Rights' section seems to define VT in its truest sense, pay half, its ours now, thanks.

Whereas clause 9 on page two adds 6.3 regarding excess mileage into to the frame, which by the general feeling of rules CCA1974 and VT, doesn't seem to fit. Clauses 3, 4, and 7 would form part of any VT under CCA1974 but 6.3 would not.

Or does 6.3 extended beyond termination of the agreement?

[R0b]

So I’m struggling to see what the issue is if you understand how VT works.

VT = statutory legislation made by parliament whereas contract = common law e.g. law based around decisions made by courts.

Statue law is the highest form of law and prevails over common law if there is a conflict.

Like I said before, the contractual terms still have their place and they are there for a reason. For example, if you didn’t exercise your VT right but instead agreed to surrender the car, clause 9 kicks in and your liable as per what it says.