PCP VT and excess mileage

[Guest]

Hoping for some advice as I am reading many different things online regarding VT of a PCP agreement and whether excess mileage is chargeable or not. I am no longer in employment as I am caring for my Gran full time so arranged a VT of my vehicle.
I had no charges other than a small amount of £118.84 VT shortfall which I have paid by bank transfer and also excess mileage.*
I called RCI today to explain that I can't afford to pay £892 in excess mileage as I am no longer in employment and explained that I needed to seek advice regarding this.*
Can you please advise if this charge is enforceable and could I actually end up in court for not paying? I have never been in debt or to court so it's quite daunting.*
Thank you




*

[R0b]

We say no but finance companies will tell you yes - you decide whether you should pay them or not.

There is a specific section on excess mileage in my VT guide which should help you make an informed decision.

https://legalbeagles.info/forums/for...on-your-rights

[Almayo]

Hi. I am in a 48 month PC P that was set at 12k pa. I am just over 3 years in and one payment away from VT right.I currently have 50k on the vehicle so have done about 16k pa.* I have the offer of a company car so looking at VT. Car is about 2k in neg eq. Can BHF charge me excess mileage in VT?. The car has 11 months mot + full Hyundai service history including intermediate services so 5 services. Car is in a very good condition. So apart from being over my mileage in 3 years. Any advice from the group. BHF excess is 14.9p pm.