V T of car

[Julie gordon]

Hi. My car was costing too much so completed a V T of agreement . the finance company had someone collect the car and completed a check visibily stating that £2300 of damage I disagreed as car was 10 years old do did not sign this report the car was taken away I hàv now received a letter for payment or they are sending to debt recovery .
The guy that did the check said he had to do it as if it was new . does anyone know where I stand

[Kati]

Re: V T of car

[MENTION=71570]R0b[/MENTION] should be able to offer advice (I've tagged him). While you're waiting ... have a look through his VT guide here - http://www.legalbeagles.info/forums/...ry-Termination

to LB xx

[R0b]

Re: V T of car

Hi. My car was costing too much so completed a V T of agreement . the finance company had someone collect the car and completed a check visibily stating that £2300 of damage I disagreed as car was 10 years old do did not sign this report the car was taken away I hàv now received a letter for payment or they are sending to debt recovery .
The guy that did the check said he had to do it as if it was new . does anyone know where I stand

Hi Julie,

As per Kati's comment's it may be worth taking a read of the link she has provided, it does answer a lot of common questions about VT and what to expect.

Could you provide some further information on the following:

1. Name of the lender
2. What is the breakdown of damage costs and do you believe they have a right to charge for the damage given the age of the car
3. Did you take any photographs before the vehicle was taken away?

If you have any additional information to add that would be helpful too

[Julie gordon]

Re: V T of car

Thanks for reply . the loan company was Moto Novo finance .The inspection report listed a number of small dents scratches .scuffed wheel replacemencarpet .I did not take any photos. The cost on inspection report is£2392 and this is the amount they hàv requested I pay

[Julie gordon]

Re: V T of car

Thanks for the link I have found a letter template which I can use
Julie

[R0b]

Re: V T of car

Hi Julie,

I don't suppose you have the agreement you are able to upload, with your personal information removed? Would be useful to see their terms and conditions.

You can use one of the sample templates in the link to send to Moto Novo, but don't expect them to admit defeat there. They will probably give you some excuses about not being in a reasonable condition.

You can upload photos of the document by clicking on "Go Advanced" button and there is a paperclip icon above the textbox if you click on that it will allow you to upload documents. Or you can email [MENTION=49370]Kati[/MENTION], I believe she has an email address?

[Kati]

Re: V T of car

Or you can email @Kati, I believe she has an email address?

yep :nod: kati@legalbeagles.info (in my sig :lol ... just make sure you add a link to the thread xx

[R0b]

Re: V T of car

yep :nod: kati@legalbeagles.info (in my sig :lol ... just make sure you add a link to the thread xx

Oops, missed that

[Julie gordon]

Re: V T of car

I have e mailed the copy of agreement to kat

- - - Updated - - -

Hope it was OK I'm not very good with technology . this is first time I've joined a forum

[R0b]

Re: V T of car

No worries Julie, I'll wait for Kati to post it up. In the meantime you can send the letter off to Moto Novo.

[Kati]

Re: V T of car

[MENTION=71570]R0b[/MENTION] xx

[R0b]

Re: V T of car

[MENTION=49370]Kati[/MENTION], thanks but I'm afraid I can't read them.. too far out.
[MENTION=80924]Julie gordon[/MENTION], nay chance you could take a closer picture? Even if you need to do it in 2 half's per page that would help.

[Kati]

Re: V T of car

@R0b ... any better??
xx

[R0b]

Re: V T of car

Just about, thank you - pretty standard clause in there, and the charges seem extremely high so I think it can definitely be argued that those are not proportionate if the vehicle has been looked after.. you would probably see those charges if it was in a really poor condition.