VT with Oodle finance came back with a list of requirements and charges

[MetalMickey]

Good morning,
I have recently started a VT on my vehicle which was purchased through Oodle Finance. My notice was sent via email on 12/11/2025 stating that I had paid over 50% and that no further payments would be made. I requested read receipts and got a response on the 14th stating that a call back had been arranged to discuss this.
The following week I cancelled the direct debit with my bank and by 21/11/25 I still hadn't heard anything so decided to give them a call. The advisor told me that a callback had been scheduled for 24/11/25 which would be 2 days after my next payment would be due and asked why my direct debit was cancelled and if I intended to continue paying. I advised that as per my termination notice I was not liable for further payments and would not be reinstating the direct debit. The advisor then said he would like to go through the relevant options the collections team would discuss to end the agreement. I said I would wait to speak with the correct team, but he insisted on reading them out anyway. Afterwards he sent me the same information through via email.

The email included various "Other Options" with the VT option listed right at the very end. Included with that they have also sent a list of requirements and additional charges that I would have to pay including a VT charge

You will have to pay your Voluntary Termination (VT) Liability of:

£248.49

You’ll also need to pay for any damage to the car beyond normal wear and tear, and any missed payments, fees, charges, repairs or services needed to bring the car back to reasonable condition.

and a vehicle collection charge

We can arrange collection of your vehicle for £152.40.

You can also return it yourself to an approved site at no cost.
Charges may apply for damage beyond fair wear and tear
Charges may also apply if items are missing. Please make sure the following are with the vehicle at collection or drop off:

• V5 logbook
• MOT certificate
• Service history
• All keys (including the locking wheel nut key)
• Parcel shelf

You will receive a copy of the inspection report, which outlines each inspection item and provides a total cost for any identified damages.

With regards to payments they have also advised:

If you have paid 50% or more of the total amount payable under your agreement for the vehicle:

You return the vehicle back without further monthly payments being due, but you must return the vehicle right away and pay any missed payments.

Obviously they are using delay tactics in an attempt to get more money out of me. I have no intention of paying them anything further.
My question is, do they have any right to make these claims or do I just go back and advise what the CCA states my legal requirements are? I have been through my original agreement where none of this is mentioned. My guess is they have received a lot of VT requests from customers and are looking for ways to claw money back.

[MetalMickey]

Updating the above I have just pulled this from my original signed agreement:

E. If you return the vehicle to us

If you are required to hand back the vehicle to us, you must return it with all keys, all vehicle codes, the service history, the reglstration document, tax dlsc and MOT test certificate.

It is your responsibility to deliver the vehicle to us. We will let you know a reasonably convenient place to deliver the vehicle to.

If we agree to collect it, or if you don't return it to us or keep to the arrangement for its return we have made, then you will need to pay us the reasonable costs we incur or are charged by our suppliers to collect or recover the vehicle.

The rest of the requirements are listed under a special VT section of their website, but not on my original signed agreement.

[echat11]

Hi Metalmickey

Welcome to LB

After you've sent of your Termination Notice, there shouldn't be any other charges (except any damage, but they need to provide evidence), that should be the end.

You have options, i.e. raise a formal complaint in writing, follow their complaints procedure on their website. If your still not happy complain to the FOS.

https://legalbeagles.info/forums/for...ts-and-charges

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

[MetalMickey]

Thanks ECHAT11, I thought that would be the case. I made sure to read through the VT guide before starting.

I'm of the opinion that they can ask for whatever silly fees they want. None of it is enforceable. I'll let them collect the car, make sure to take photographs & refuse to sign any documents.
Anything else they can request in writing and I will go through the complaints channels as suggested.

One last point. The car still has MOT and tax until February, so plenty of time for them to get their act together. I was planning on changing the ownership on the V5 to the name of the finance company on the day they come pick it up or would you recommend doing that beforehand? Same question about tax.

Thanks for all your help.

[HariSeldon]

I was planning on changing the ownership on the V5 to the name of the finance company on the day they come pick it up or would you recommend doing that beforehand? Same question about tax.

The vehicle is your responsibility only until whatever date you gave reasonable notice to. So if you gave them ten days' notice on 12/11/25 then your responsibility ended on 22/11/25 in which case you advise them of that fact and that you are now notifying DVLA you are no longer the registered keeper and are also cancelling any tax and motor insurance. (I would do the DVLA part right now then it's not your problem if they delay collecting.)