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Excess mileage charge on HP Agreements
Hi, I was just wondering if anyone can shed some light on the enforceability of excess mileage charges on lapsed HP agreements?
In 2013 I took out a 3 year HP contract on a second hand car. The car was handed back in May 2106 and I was charged approx £4k for excess mileage, repairs to wheel trims and some other bits and pieces but no actual damage to the car.
I still have £2200 pounds to pay as I'm only paying off £30 a month. My question is do CCA requests cover this type of agreement and is there a way to challenge it? I appreciate it's 5 years down but I'm just starting to find out things I never knew about CCA requests.
Once I handed the car back the entry dropped off my credit report / marked as satisfied, but this additional amount has never been recorded as a debt. It is being collected by DLC.
Can I offer a token amount of £1 a month or could this ever appear on my credit record after all this time?
Any help is appreciated as always.
Many Thanks
In 2013 I took out a 3 year HP contract on a second hand car. The car was handed back in May 2106 and I was charged approx £4k for excess mileage, repairs to wheel trims and some other bits and pieces but no actual damage to the car.
I still have £2200 pounds to pay as I'm only paying off £30 a month. My question is do CCA requests cover this type of agreement and is there a way to challenge it? I appreciate it's 5 years down but I'm just starting to find out things I never knew about CCA requests.
Once I handed the car back the entry dropped off my credit report / marked as satisfied, but this additional amount has never been recorded as a debt. It is being collected by DLC.
Can I offer a token amount of £1 a month or could this ever appear on my credit record after all this time?
Any help is appreciated as always.
Many Thanks
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