voluntary termination

DrEskimo

Are you sure VT is your best option?

What valuations have you been given in the car as trade in, and how does this compare with your settlement?

fatbelly

Garner1967 said:

Hi can you voluntary terminate your agreement,if you have deferred payments for 3 months because of covid 19 as i am thinking about it.My half way point was december.I deferred in april. Any advise please

Yes, it's a statutory right under the Consumer Credit Act

https://www.nationaldebtline.org/EW/factsheets/Pages/hire-purchase-debt/hire-purchase-and-conditional-sale.aspx

Garner1967

Hi update santander will get a external agent to contact me and pick up car cost £70pound 

neilmcl

Garner1967 said:

Hi update santander will get a external agent to contact me and pick up car cost £70pound 

You shouldn't be getting charged for the collection of the car, that's entirely there responsibility and their cost. 

Ectophile

Garner1967 said:

Hi update santander will get a external agent to contact me and pick up car cost £70pound 

I do hope you haven't agreed to pay that £70.

Garner1967

Hi still awaiting external agent to contact me ,i have not agreed to pay nothing at moment,

Garner1967

Any advice on what i need to do when agent contacts me about picking up car,eg picturers of car ,mot, service history and should i cancel direct debit if car is not picked up before 26th of this month ,as ive only got a text confirming VT cheers 

Garner1967

update agent picked up car on thursday ,They took photos and that was it,I had already took photo,s myself.They then sent me a condition report and a quote for £240 for,4 very small scratches they put down light scratches,i take it this would be down to wear and tear as i have had car nearly 3years and car is 10years old.I have not heard from finance company.

molerat

Scratches are not wear and tear so will be chargeable according to the BVRA guide. https://issuu.com/bfwsn67/docs/intelligent_car_leasing_-_cars?e=2001091/40251701

Garner1967

Thanks for reply and link ive  checked there wear and tear bit and all 4 scratches are less than 25mm, more like 10mm and should all t cut out, so hope i dont here from finance company.