Finance company keeps switching off the Car, is that allowed?

GlynD

I agree that the only way the OP can stop the finance company disabling his car is to make his payments on time.

At the same time I'm absolutely gobsmacked that they're able to "switch a car off". I've never heard of this before now. Ok I accept the technology has probably been around for a long time, but I haven't heard of it being used in finance agreements before now. A spiffing idea I think - unless you're late with your payments.

Apples2

If it were cheap enough we'd all fit that device, maybe in the future all cars will have them.
Police chase, quick number plate check during pursuit and wham, robbers car grinds to a halt, no more spike sticks.

GlynD

Apples2 wrote: »

If it were cheap enough we'd all fit that device, maybe in the future all cars will have them.
Police chase, quick number plate check during pursuit and wham, robbers car grinds to a halt, no more spike sticks.

What a fantastic idea. It would be very expensive at the moment though. I've had cars with trackers in them before and the subscription to the tracker company is quite stiff.

magpiecottage

If the vehicle is on a hire purchase arrangement then it is under the jurisdiction of the Financial Ombudsman Service.

If it is being switched off whilst it is actually being driven that is quite clearly potentially dangerous and I think there are grounds for complaint.

If it was not reasonably apparent that the car might be turned off other than in the event of theft when the contract commenced that too would be grounds for complaint.

So, on the basis of what the OP has said, I would suggest a complaint to the company is made.

If they do not receive a response they consider satisfactory they can refer it to the Financial Ombudsman Service (free) but they have to allow the company eight weeks from when it receives the complaint to get a response into the post.

dotdash79

Apples2 wrote: »

If it were cheap enough we'd all fit that device, maybe in the future all cars will have them.
Police chase, quick number plate check during pursuit and wham, robbers car grinds to a halt, no more spike sticks.

I'm sure that in the near future all cars will have mobile connectivity to contact emergency services in case of crash.

In fact I've just found it it's called eCall and will be mandatory from 2015

http://en.wikipedia.org/wiki/ECall

DKLS

Sort your credit control procedures out, 60 days isn't a good average and its affecting cash flow. Try the business board for some tips on how to manage your creditors and drive business your way.


Does he offer call out service?, my locksmith mate calls this time of year silly season due to all the drunk office party goers losing their keys meaning lots of work.

yoshiyella

As a solution for future months could you not say you have a new pay day at work - say the 5th of each month and ask nicely if you could change the day of payment in line with your new pay day? That way it gives you a few extra days to collect money from contractors. I genuinely had a change of job where previous pay day was 26th to last working day and there was no issues with my finance company changing the date.