VT Help - Vauxhall Finance/GMAC - Excess mileage charge

[Davewh93]

Thanks for taking the time to look over my issues, I've started my response letter to them but any sort of help from here would be so grateful. Basically started my VT process after my hours in my job was cut last year 2018 and I knew i would really struggle paying the payments. They quoted me a figure as I hadn't reached the halfway point into my agreement but it was coming very close to it. I carried on paying scrimping by to try and keep on top of the finance as I didn't want it to affect my Credit score and managed to do so without missing any payments and they was always ontime. In late March early April I activated my VT to them and the car was collected with only £50 damage to the wheels (Which wasn't down to my bad parking but a big stone on the M62). All was fair got a quote of around £400 to pay off to settle the finance. It was only once then i'd received my "Final Bill" they had pumped on £2500 for excess mileage charges bringing my grand total to a whopping £3000 invoice.

I used the templates as a reference to sent to them insisting that under my rights I was only liable to pay up to half of the agreement which was around £7000, at the time I had paid about £6700 and have had the car over 3 years of my 4 year agreement. After them acknowledging my complaint over the mileage charge it took them 8 weeks to decide that instead of now hounding it to me as "I've went over so much you owe us this" they are now trying to class it as I hadn't taken reasonable care of the vehicle. During my phone call with them I had said that I would pay what I owe which is the £400, £50 for the damage to the wheel which is BS and £350 to take me to my half way point on the finance" which they wont accept.

I can provide any emails or references for anyone who would offer any sort of help but I don't want to email them back without proper guidance. Thank you so much for taking time out to read the mess they have left me on this situation.

-Dave

[R0b]

GMAC are a pain in the backside.

The issue is whether you are going to pay them the excess mileage fees. If not, then you can issue a cheque for the amount you believe along with a covering letter to say what it is covering (and be explicit that it's for the £350 to bring you to the halfway point plus £50 for wheel damage). Or you can just email them asking for bank account information so you can pay the £350 for the amount you owe and then the agreed £50 wheel damage.

If they refuse to cooperate then I see no reason why they can't accept the £400 and the excess mileage is disputed and they should bring a legal action if they were confident that the money the charges are owed. If they still refuse, well there's not much you can do and I can't see any harm in saying that you aren't going to engage with them until the decide separate the agreed liability and the non-agreed liability.

[Davewh93]

Thank you for the reply Rob, after a few phone calls they said they wouldn’t accept the payment of what I agreed to as the access mileage is too high apparently, it’s funny because me being me I kept an eye out for the car which only recently sold for £6450!! Taking there grand total for a £12000 car just shy of £11900

[R0b]

Have you got a screenshot/printouts of the car being sold for that price? What was it expected to fetch?

How does that stack up against the total price under the agreement?

[Davewh93]

I was a idiot and didn’t screenshot it going for that but before that I simply searched the reg and it popped up on a sale site. I used a few sites that buy cars and it was only coming in at 4000 so already they have made what they are trying to fleese off me back on the car if not more with what I’ve paid over the 3 years