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Dispute with Secure trust/Moneyway for Excessive "damages"
Hi Guys,
I VT'd my vehicle earlier this month and the car was collected by a third party agent. They inspected the vehicle and told me I would be charged £365 for damages. obviously I refused to sign anything and advised that I disputed these charges.
I have sent the very helpful template letter already disputing these excessive damage charges, as all of them are light scratches or stone chips on a now ten-year-old car, of which most if not all were present at the time of purchase just over two years ago, and notwithstanding this amount to fair wear and tear.
There is also a charge of £170 for missing service history. I'm especially angry about this, as I had an afternoon appointment arranged with the agent to collect the car, and he called the night before asking if he could come a little earlier. I agreed, and he turned up first thing in the morning, so I gathered up all the paperwork pertaining to the vehicle that I could find, although there were two servicing receipts I couldn't find (I've not long moved home and things aren't as organized as I would like). I explained this to him, and gave him what I had as he would not wait.
I've subsequently found the receipts, but Moneyway don't want them. I've read my original contract and the only thing it states is that all tests required by law needed to be carried out, eg MOT so it shouldn't matter either way?
It's galling as the car was NAMA grade 1 by the agent, and grade 2 by the auction house that sold it on behalf of the finance companies, which as i understand it is better than reasonable, this on top of the many warranty claims and repairs I had to do within the first six months of owning the car its probably in better condition than when I purchased it. the car was immaculately kept, valeted often and serviced /repaired when needed.
I've paid £276 ish over the 50% of the total amount, and have mentioned this in my template which has gone to their resolution team after a fruitless phone call with them this afternoon.
I'd just like some advice as to what the next steps are, Moneyway have already sent me a "notice of default sums" letter, which arrived this morning alongside the inspection report bill. I'm very worried about negative impacts on my credit rating.
I VT'd my vehicle earlier this month and the car was collected by a third party agent. They inspected the vehicle and told me I would be charged £365 for damages. obviously I refused to sign anything and advised that I disputed these charges.
I have sent the very helpful template letter already disputing these excessive damage charges, as all of them are light scratches or stone chips on a now ten-year-old car, of which most if not all were present at the time of purchase just over two years ago, and notwithstanding this amount to fair wear and tear.
There is also a charge of £170 for missing service history. I'm especially angry about this, as I had an afternoon appointment arranged with the agent to collect the car, and he called the night before asking if he could come a little earlier. I agreed, and he turned up first thing in the morning, so I gathered up all the paperwork pertaining to the vehicle that I could find, although there were two servicing receipts I couldn't find (I've not long moved home and things aren't as organized as I would like). I explained this to him, and gave him what I had as he would not wait.
I've subsequently found the receipts, but Moneyway don't want them. I've read my original contract and the only thing it states is that all tests required by law needed to be carried out, eg MOT so it shouldn't matter either way?
It's galling as the car was NAMA grade 1 by the agent, and grade 2 by the auction house that sold it on behalf of the finance companies, which as i understand it is better than reasonable, this on top of the many warranty claims and repairs I had to do within the first six months of owning the car its probably in better condition than when I purchased it. the car was immaculately kept, valeted often and serviced /repaired when needed.
I've paid £276 ish over the 50% of the total amount, and have mentioned this in my template which has gone to their resolution team after a fruitless phone call with them this afternoon.
I'd just like some advice as to what the next steps are, Moneyway have already sent me a "notice of default sums" letter, which arrived this morning alongside the inspection report bill. I'm very worried about negative impacts on my credit rating.
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