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Re: VT advice please
@R0b or Kati - thankyou for your advice so far. I wonder if i could burden you again?
I am about to reply to the investigators decision. Do you think the following is OK, or does it need added to or bits removed?
I will of course add the attachments when sending.
Meantime, how could I best reply to the debt collectors as I am still in dispute of the debt?
Thanks
@R0b or Kati - thankyou for your advice so far. I wonder if i could burden you again?
I am about to reply to the investigators decision. Do you think the following is OK, or does it need added to or bits removed?
As you could expect, I am very disappointed with the outcome of this matter, therefore I am requesting the Ombudsman look over my complaint before a final decision is made.
There are a few points I need to raise:
I was aware of minor damage to the car when I purchased it and made no mention of it, as it was very minor and fair and reasonable for the cars age' Since purchase I had continually looked after the vehicle and only very few light scratches had occurred.
Also, I don’t consider Manheim to be independent as they receive all Startlines cars at their auctions and therefore I cant agree their report as being 'fair and reasonable'.
I would also like to point out that Startline have never provided:
a) Evidence of the car's condition at the start of the agreement
b) A breakdown of the repair costs incurred
c) Actual photographic evidence of any repairs carried out
In any case, I don’t accept the damages as 'accepted nationwide' as the inspection is carried out in accordance with BVRLA guidelines which does not take into account the age of the vehicle and the likelihood that damage will occur over time.
Please find attached a Court of Appeal case which is a binding decision whereby hey have acknowledged that the duty is on the lender to prove what damages have occurred whilst in my possession, not blanket charge for all damages (see page 7). Also attached is a damage condition chart from CAP HPI which provides more realistic and accurate damage conditions in relation to a vehicles age
There are a few points I need to raise:
I was aware of minor damage to the car when I purchased it and made no mention of it, as it was very minor and fair and reasonable for the cars age' Since purchase I had continually looked after the vehicle and only very few light scratches had occurred.
Also, I don’t consider Manheim to be independent as they receive all Startlines cars at their auctions and therefore I cant agree their report as being 'fair and reasonable'.
I would also like to point out that Startline have never provided:
a) Evidence of the car's condition at the start of the agreement
b) A breakdown of the repair costs incurred
c) Actual photographic evidence of any repairs carried out
In any case, I don’t accept the damages as 'accepted nationwide' as the inspection is carried out in accordance with BVRLA guidelines which does not take into account the age of the vehicle and the likelihood that damage will occur over time.
Please find attached a Court of Appeal case which is a binding decision whereby hey have acknowledged that the duty is on the lender to prove what damages have occurred whilst in my possession, not blanket charge for all damages (see page 7). Also attached is a damage condition chart from CAP HPI which provides more realistic and accurate damage conditions in relation to a vehicles age
Meantime, how could I best reply to the debt collectors as I am still in dispute of the debt?
Thanks
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