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Hi all,
I'm hoping some of you may have experience with this situation and can advise me on where to head next.
I VT'd a car back in January last year after following R0b 's advice on these forums, I disputed the expected mileage charges and until recently I had heard nothing and considered the dispute to be closed. However, upon checking my credit rating recently I have noticed over 10 late monthly payments charges which has significantly affected my credit file. I utilised one of the excess mileage charge templates on this forum and received this letter in response last week;
https://ibb.co/LxDZGfk
https://ibb.co/GPnQghh
https://ibb.co/XzJ3xhV
There are quite a few inaccuracies in their response, in that I upped the annual mileage from 10,000 to 15,000 half way through the agreement, and equally the date was January 2018 (not 2019) and I certainly did not sign and return a voluntary termination notice, I wrote a letter on my own terms exercising my right to terminate.
Any advice on where to go with this now would be a great help, I am in the process of trying to apply for a mortgage and as you can all imagine - I don't look too attractive to mortgage lenders at the moment!
Many thanks,
Jon
I'm hoping some of you may have experience with this situation and can advise me on where to head next.
I VT'd a car back in January last year after following R0b 's advice on these forums, I disputed the expected mileage charges and until recently I had heard nothing and considered the dispute to be closed. However, upon checking my credit rating recently I have noticed over 10 late monthly payments charges which has significantly affected my credit file. I utilised one of the excess mileage charge templates on this forum and received this letter in response last week;
https://ibb.co/LxDZGfk
https://ibb.co/GPnQghh
https://ibb.co/XzJ3xhV
There are quite a few inaccuracies in their response, in that I upped the annual mileage from 10,000 to 15,000 half way through the agreement, and equally the date was January 2018 (not 2019) and I certainly did not sign and return a voluntary termination notice, I wrote a letter on my own terms exercising my right to terminate.
Any advice on where to go with this now would be a great help, I am in the process of trying to apply for a mortgage and as you can all imagine - I don't look too attractive to mortgage lenders at the moment!
Many thanks,
Jon
