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BoroShale Posted on 20/01/2020 11:01
After a bit of advice RE: PCP contract termination
 
To cut a long story short, my Mrs voluntary terminated her PCP contract in July of last year. She was at equal equity on the sum she had to pay back, hence why they let her voluntary terminate. However, they come and inspect the car for any damage they don't deem wear and tear. They came back with a bill of 1500.

The bloke who did the inspection told us to contest it, which we did. Since then we have not heard a thing from the finance company at all, until the weekend, they sent a summary of account document.

Surely if this bill was enforceable they would have come after us by now?

Has anyone had any experience with this before?

I'm reluctant to pay if i don't need to and also don't want to bring it to their attention, in case, however unlikely, we have slipped through the net, or if it isn't in fact enforceable.
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Boro_Boro_Boro Posted on 20/01/2020 11:12

After a bit of advice RE: PCP contract termination
1500 is a fair chunk of cash... What damage are they claiming for?
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spike11 Posted on 20/01/2020 11:16

After a bit of advice RE: PCP contract termination
My wife did the same last year but the damages were agreed with the guy who collected the car. Admittedly it was just for scuffs on the alloy wheels.
Sounds. A lot. Did they send you any paperwork in advance outlining what was expected at handover. Good Luck
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Jonny_Ingbar Posted on 20/01/2020 11:17

After a bit of advice RE: PCP contract termination
I had the same problem on a Mercedes ML a few years ago.

The lad doing the inspection said it was fine and I signed for it - I later found out he'd ticked a couple of dozen items, just not told me (my fault for not checking in part).

Contested the bill, which was huge and negotiated it down to what I thought was a fair price.

Mercedes have changed their rules significantly since, I'm told for this reason.
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BoroShale Posted on 20/01/2020 11:27

After a bit of advice RE: PCP contract termination
Bill was for various reasons, we were over the agreed mileage, few little scratches, couple of dents in the side door from seat belt getting trapped etc.

My Mrs rang up and they immeditaly said they would drop bill to 900.

They did send us a itemised bill.

I've had people say to me to just ignore it, as they have and never heard anything back.

My issue with the bill is she didn't get the car on PCP from new, it was used, so there is not a chance all the damage was caused by us.

Not sure whether or not to just ignore it and see if they come after us and pay it if push comes to shove.
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peter_beagrie_killed_my_cat Posted on 20/01/2020 12:07
Edited On: 20/01/2020 13:56
After a bit of advice RE: PCP contract termination
If it's a Voluntary Termination they can't charge excess mileage, though they try to. Excess miles only come into it when the agreement reaches full term so get them to strike that off straight away.

Ask for documented evidence of damage and costs, I imagine you can argue the majority will be arguable under your 'fair wear and tear' allowance.

Go through the motions with them and you wont pay anywhere near 1500/900
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spike11 Posted on 20/01/2020 12:34

After a bit of advice RE: PCP contract termination
Was told the same thing about excess mileage by someone in the garage where I was looking at a new car.
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Boro_Boro_Boro Posted on 20/01/2020 13:08

After a bit of advice RE: PCP contract termination
did you take photos before pick up?

always take them as you can then argue the toss.

As said above the excess mileage is BS

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BoroShale Posted on 20/01/2020 14:10

After a bit of advice RE: PCP contract termination
Unfortunatly i didnt take any photos. When my mrs spoke to them and they dropped the price to 900, they said we could contact the garage to see if they had any proof of damage before selling us the PCP.

My argument would be if they have photos, great we can prove that it wasn't us, if they don't have any record of damage they cant prove it was us.

I assume if it was legally enforceable, i would be served with a notice before any CCJ or anything similar was issued?
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