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I vt'd my car with startline motor finance and took it myself to manhiem they have looked over the car and want 1300 for damage to it they want nearly 200 pounds for tyres but I put it through an mot on the Wednesday before I took it on the Monday. I have sent the letters on here about the damage. Please help.
This is the letter I got back this morning.
Further to your email dated 20th September 2017, the content of which has been noted. We can confirm that we are not obliged, nor have we agreed to reduce the damages outstanding.
We have no evidence to suggest that any of the damages on the vehicle were present at point of sale, you stated that “photographic evidence was taken prior to the vehicle being transferred to you”. We were not provided with any photographs from you by email, or by post.
When you signed your finance agreement on 30th August 2014, you agreed to several clauses in relation to the general maintenance of the car and her right to end the agreement early. The finance agreement clearly states that it was your responsibility to examine the vehicle thoroughly at point of supply, before accepting it to make sure there are no defects that can be found from a visual inspection. This indicates to Startline Motor Finance (SMF) that there any obvious damage at the point of sale, did not exist.
Since all of the damage is visible, it’s unlikely that you would’ve accepted delivery of the car in that condition. Further to this, prior to your termination, you have never notified us that any damage existed occurred during your ownership.
Under the terms of the Hire Purchase Agreement, with reference to clause 10.1.3 and 6.1.1, SMF would expect the vehicle to be returned in a good condition and in a state which shows that you have kept it maintained in line with the manufacture service schedule, along with all registration documents, keys, road fund licenses and MOT certificates.
When your agreement has been terminated, it will be assigned to Link Financial Outsourcing Limited (LFO) who will request that a payment arrangement is set so that the outstanding balance can be paid over a period of time and in line with your affordability.
This is the letter I got back this morning.
Further to your email dated 20th September 2017, the content of which has been noted. We can confirm that we are not obliged, nor have we agreed to reduce the damages outstanding.
We have no evidence to suggest that any of the damages on the vehicle were present at point of sale, you stated that “photographic evidence was taken prior to the vehicle being transferred to you”. We were not provided with any photographs from you by email, or by post.
When you signed your finance agreement on 30th August 2014, you agreed to several clauses in relation to the general maintenance of the car and her right to end the agreement early. The finance agreement clearly states that it was your responsibility to examine the vehicle thoroughly at point of supply, before accepting it to make sure there are no defects that can be found from a visual inspection. This indicates to Startline Motor Finance (SMF) that there any obvious damage at the point of sale, did not exist.
Since all of the damage is visible, it’s unlikely that you would’ve accepted delivery of the car in that condition. Further to this, prior to your termination, you have never notified us that any damage existed occurred during your ownership.
Under the terms of the Hire Purchase Agreement, with reference to clause 10.1.3 and 6.1.1, SMF would expect the vehicle to be returned in a good condition and in a state which shows that you have kept it maintained in line with the manufacture service schedule, along with all registration documents, keys, road fund licenses and MOT certificates.
When your agreement has been terminated, it will be assigned to Link Financial Outsourcing Limited (LFO) who will request that a payment arrangement is set so that the outstanding balance can be paid over a period of time and in line with your affordability.
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