Taking PCP financed car abroad (EU)

art48

Nobbie1967 said:

Hoenir said:

Totally overlooked the fact you need the leasing company's permission. Without a valid VE103B being produced the vehicle can be impounded. 

It’s not a lease, it’s a conditional sale finance agreement so they should have a V5C as the registered keeper of the car.

Personally, I’d ignore the restriction as I’d question the enforceability of the term. I can’t see what loss they would suffer from a breech unless you lost the car while abroad and weren’t covered by your insurance for some reason.

I don't see a valid "reason" either, apart from the contract wording.
There will not be any loss for any part, the vehicle is insured comprehensively and a gap insurance covers the shortfall in the event of a write off due to theft, accident, fire or unforeseeable events.

art48

Herzlos said:

How many days are you allowed and how many are you planning?

Contract says 28 days, 56 in total per year.
My plans were consecutive 64 days.

DullGreyGuy

Ultimately its a breach of contract, the contract is likely to state what the repercussions are for breaching it (normally a right of termination to the finance company), were it not to then like any contract breach they would be entitled to damages (their actual financial losses caused by the breach). Just because a contract breach gives a right of termination doesn't automatically mean every counterparty is going to exercise that right, though in B2B situations it can lead to some renegotiation with the threat of termination if concessions arent made. 

If they had some form of tracker in the vehicle that they placed their data privacy policy would have to talk about holding data about your location and what they are going to do with it. If you think that they have access to the manufacturer's tracker then in addition to that the manufacturer's data privacy policy would have to state that they are sharing your location data with finance companies. 

The time to challenge the terms was before signing them, after signing them you have no leverage and you are giving them no incentive to put time and effort in to change the contract. 

The risks are likely very low but its ultimately your choice if you want to risk breaching the contract.

sheramber

Mildly_Miffed said:

No, HMRC can't confiscate the car.
I very much doubt the financier has a tracker in it, nor would they have access to the manufacturer's app.

Why are they refusing? Because they have every right to, quite simply. It's their car, not yours. They don't need to give you a reason. You're the one who wants to vary the contract you signed, not them.

Don't forget that - assuming you're a UK national without a visa or residency in the country you're going to - the only EU country you can spend more than 90 days in is the Republic of Ireland, and the 90 day limit applies across the whole Shengen zone if you're travelling through multiple countries.
You should also check into whether you're going to be breaking the law in the country you're going to, having a foreign-registered car there for so long.

Not going for more than 90 days

It is going to be under 90 days abroad so the car