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Just wondering what the outcome was here as I’m currently going through same stages.
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rob
I've won!!!
Hi I have finally received a decision by the FOS - I have copied and pasted it - It is good news. They have agreed in my favour...…..brilliant news and thought I should post it here.
Dear Ms Darkings Yourcomplaint aboutRCI Financial Services Limitedtrading as Nissan Finance
Thank you for your patience while we’ve been looking at your complaint. I’m sorry it’s taken longer than we would have liked to provide you with an answer. As previously explained, this was because of the complexities involved.
The business is making you an offer
Following our investigations and discussions with the business, they have now agreed to settle your complaint about the excess mileage charge being applied when you voluntary terminated your car finance agreement.
In your case, this means the business will either waive the excess mileage charge or, if you have already settled your excess mileage charge, they will now refund the charge adding interest at the rate of 8% simple per year from the date of payment until the date of settlement. If any adverse information has been recorded on your credit file – in relation to the period where the excess mileage charge wasn’t paid – this will now be removed.
This is in line with what the Financial Ombudsman Service would expect in these types of situations – and I think their offer is fair and reasonable.
What happens next?
I think this is a fair outcome in the circumstances, for the reasons I’ve explained.
If the business’ offer is acceptable, you don’t need to do anything. They’ll be in touch directly with full details of the settlement, in the next six weeks.
If you're not happy with the offer, or if there are outstanding secondary issues to your complaint, please let me know within TWO WEEKS. If I can’t resolve things, an ombudsman here can look at everything again and make a final decision.
If I don’t hear from you by TWO WEEKS, we might not be able to look at your complaint again. So please get in touch as soon as possible to let me know what you’ve decided.
If you have any questions – or need more time – please get in touch within two weeks of the date of this letter and we’ll be happy to help. You can get in touch by emailing casework_DP03@financial-ombudsman.org.uk, or calling us on 0800 023 4567.
If we don’t hear from you, we’ll take it the business’ offer is acceptable and we won’t take the complaint any further.
Kind regards
Cesca Hall | Investigator |
Financial Ombudsman Service | Exchange Tower, London, E14 9SRComment
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R0b
I've won!!!
Hi I have finally received a decision by the FOS - I have copied and pasted it - It is good news. They have agreed in my favour...…..brilliant news and thought I should post it here.
Dear Ms Darkings Yourcomplaint aboutRCI Financial Services Limitedtrading as Nissan Finance
Thank you for your patience while we’ve been looking at your complaint. I’m sorry it’s taken longer than we would have liked to provide you with an answer. As previously explained, this was because of the complexities involved.
The business is making you an offer
Following our investigations and discussions with the business, they have now agreed to settle your complaint about the excess mileage charge being applied when you voluntary terminated your car finance agreement.
In your case, this means the business will either waive the excess mileage charge or, if you have already settled your excess mileage charge, they will now refund the charge adding interest at the rate of 8% simple per year from the date of payment until the date of settlement. If any adverse information has been recorded on your credit file – in relation to the period where the excess mileage charge wasn’t paid – this will now be removed.
This is in line with what the Financial Ombudsman Service would expect in these types of situations – and I think their offer is fair and reasonable.
What happens next?
I think this is a fair outcome in the circumstances, for the reasons I’ve explained.
If the business’ offer is acceptable, you don’t need to do anything. They’ll be in touch directly with full details of the settlement, in the next six weeks.
If you're not happy with the offer, or if there are outstanding secondary issues to your complaint, please let me know within TWO WEEKS. If I can’t resolve things, an ombudsman here can look at everything again and make a final decision.
If I don’t hear from you by TWO WEEKS, we might not be able to look at your complaint again. So please get in touch as soon as possible to let me know what you’ve decided.
If you have any questions – or need more time – please get in touch within two weeks of the date of this letter and we’ll be happy to help. You can get in touch by emailing casework_DP03@financial-ombudsman.org.uk, or calling us on 0800 023 4567.
If we don’t hear from you, we’ll take it the business’ offer is acceptable and we won’t take the complaint any further.
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