PCP Excess Mileage

[Richardthe3d]

Hi - I've got approx. 8 months left on a 3 year PCP deal for a used car. The car was bought entirely on line and I didn't talk to anyone throughout the whole process.

On the front page of the Finance Agreement there are three big boxes in Bold that contain the basic important information i.e. The Agreement Number, The Repayment Details and The Contract Mileage Allowance. In the contract mileage allowance box the exact wording is "You have 39,516 miles in total."

On page two under End of Contract Options - Return, the exact wording ref. excess mileage is "Your permitted maximum mileage is 39,516 and your excess mileage charge is 4.0 pence per mile plus VAT."

Now, I've taken that to mean that I am allowed to drive 39,516 miles before attracting excess mileage charges. However, today, after a good half hour on the phone to the Finance Company they are saying that it is the car that must not have driven more than 39,516 miles when I hand it back or I will be charged excess mileage. It had already done just over 11,000 miles when I got it so in effect the number of miles i could actually drive was around 28,000 miles.

Surely this can't be fair and is some sort of miss-selling? Any advices would be gratefully accepted as I've already done over 43k

Thanks

[Pezza54]

When you signed the agreement how many miles per annum did you agree to? The amount you pay each month was based on the miles p.a. in the agreement

[Richardthe3d]

Deleted as I clicked the wrong button!

[Richardthe3d]

When you signed the agreement how many miles per annum did you agree to? The amount you pay each month was based on the miles p.a. in the agreement

Hi, thanks for the reply. The only mention of mileage in the Financial Agreement is as I've written above. I've asked for a copy of the paperwork that I signed from the on-line dealer.

[Pezza54]

Best to wait until you receive the paperwork. Have you mislaid your copy of the agreement? Was it attached to an email?

[Richardthe3d]

Best to wait until you receive the paperwork. Have you mislaid your copy of the agreement? Was it attached to an email?

I'm fairly sure it was all signed digitally and then you can access the documents by logging onto some sort of app/website. For the life of me I can't remember to be honest.

I can get into my account on the dealers website but as far as I can see that just has all the glossy information about the spec of the car and mileage etc.

[Pezza54]

I bet somewhere under "My Account" is the Agreement that you digitally signed