PCP Ended but they wont collect the car!

neilmcl

lcc86 said:

neilmcl said:

At the end of the day you have duty of care of the car for as long as they are in your possession or until they have either been collected or disposed of in a legitimate manner. Thinking about this further I'd agree you should write to the finance provider giving them a fixed, and reasonable, period to collect the car after which if they haven't done so you will dispose of it yourself, at auction, deducting any fees incurred from the final payment including your costs to insure, tax and MOT the vehicle.

Another avenue would be to contact the Financial Ombudsman (FOS).

Please don't dispose of the car yourself OP, I realise they have taken the mickey but this is their car and they will pursue you if you sell the car. Write to them, give them say 14 or 28 days to collect. Sometimes you can arrange to drop at a dealer but in these circumstances I would get an agreement to do so in writing if they wo be willing to do so. Just get in the finance company's case, write to them, hassle them by phone daily if you have to until they do what they should've done. It's not really acceptable from them but it's probably the best way to get them to collect.

There are fully legitimate ways in which the OP can legally dispose of the vehicle should they wish to do so. All well and good writing and giving them a period to sort this but if you don't have an ultimatum at hand to follow through with then it's pretty much toothless.

neilmcl

parking_question_chap said:

"Thinking about this further I'd agree you should write to the finance provider giving them a fixed, and reasonable, period to collect the car after which if they haven't done so you will dispose of it yourself, at auction, deducting any fees incurred from the final payment including your costs to insure, tax and MOT the vehicle."

I would love to hear their response to this.

You say that is if you think my suggestion isn't a valid one, trust me the OP has a legal route to do just as I posted, and the finance provider will know this.

northernstar007

if it was me i`d say theres the keys, ive done my side of the contract and its up, btw its on the street and theres no insurance on it, its your car now 

NBLondon

lcc86 said:

Just get in the finance company's case, write to them, hassle them by phone daily if you have to until they do what they should've done. It's not really acceptable from them but it's probably the best way to get them to collect.

The OP (who has disappeared) has been doing that for months with no joy.  Time for an ultimatum.

sithmaster

Personally I would drive the car to the finance company, hand over the keys. Even if they don't accept it walk away saying as of this second it is not insured. Make sure you take photos of the whole car including damage (if any) and a nice big photo of the car outside there premises.
As for the money you have paid for the extra tax, insurance, petrol to drive it there and reasonable costs back home I would take to small claims court. I'm not saying you would be successful but worth a go.
I wouldn't waste any more time phoning them as you have gone above and beyond.