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Re: Voluntary Termination of a Hire purchase or conditional loan under the CCA 1974
Hello all
So here is my case
I have a vehicle on HP from Hartwell.
I have made arrangements to exercise my right to VT.
when I first got the car back in 2012 I was making high payments and my contract included a mileage cap along with excess mileage charge. 6 months after I contacted them to reduce my payments resulting in a new contract being issued , which luckily for me didn't have anywhere written about an excess mileage. I've spoken to a solicitor ( however cars / HP are not their area ) and she has said I should b ok as it's not in my current , in force agreement.
I've read the horror stories about them trying everything but as long as my contract in force doesn't mention it I should b ok??
So one thing that is my fault is that the vehicle wasn't serviced last year. It was MOT'd but not serviced at the ford garage. I understand that this is my fault. Does anyone know the knock on effect for me having a missing stamp in my book? The agreement says as recommended any the manufacturer which is either mileage or dates ??
Help? I'll prob get stung but I need to prepare myself for the cost?!
Any help appreciated
Hello all
So here is my case
I have a vehicle on HP from Hartwell.
I have made arrangements to exercise my right to VT.
when I first got the car back in 2012 I was making high payments and my contract included a mileage cap along with excess mileage charge. 6 months after I contacted them to reduce my payments resulting in a new contract being issued , which luckily for me didn't have anywhere written about an excess mileage. I've spoken to a solicitor ( however cars / HP are not their area ) and she has said I should b ok as it's not in my current , in force agreement.
I've read the horror stories about them trying everything but as long as my contract in force doesn't mention it I should b ok??
So one thing that is my fault is that the vehicle wasn't serviced last year. It was MOT'd but not serviced at the ford garage. I understand that this is my fault. Does anyone know the knock on effect for me having a missing stamp in my book? The agreement says as recommended any the manufacturer which is either mileage or dates ??
Help? I'll prob get stung but I need to prepare myself for the cost?!
Any help appreciated
