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  • FIRST POST
    • Billiamg
    • By Billiamg 8th May 18, 1:56 PM
    • 4Posts
    • 1Thanks
    Billiamg
    Car finance end of contract disagreement
    • #1
    • 8th May 18, 1:56 PM
    Car finance end of contract disagreement 8th May 18 at 1:56 PM
    I wonder if any one has some advice for me please.

    I recently came to end of a PCP deal I had on a new car. I agree that the additional costs I have accrued are a fair reflection on the condition of the car (which are just over £400).

    However, I have paid a higher monthly payment on the car to allow for higher mileage, and I haven't actually covered as many miles as I expected.

    Had I gone over my agreed mileage I would have to pay 6 pence/mile. So working backwards the finance company (Audi) actually, in my opinion, owe be £900.

    I would like to reach an agreement with the finance company that based on this the EOC costs are written off. Obviously Audi are not willing to accepting this.

    Does anyone have experience of this situation? Are there any consumer rights or similar I can quote back to them to help my case?

    Thanks for any help in advance.
Page 1
    • bigisi
    • By bigisi 8th May 18, 2:09 PM
    • 427 Posts
    • 764 Thanks
    bigisi
    • #2
    • 8th May 18, 2:09 PM
    • #2
    • 8th May 18, 2:09 PM
    This is a joke, right?
    • neilmcl
    • By neilmcl 8th May 18, 2:12 PM
    • 11,995 Posts
    • 8,736 Thanks
    neilmcl
    • #3
    • 8th May 18, 2:12 PM
    • #3
    • 8th May 18, 2:12 PM
    I wonder if any one has some advice for me please.

    I recently came to end of a PCP deal I had on a new car. I agree that the additional costs I have accrued are a fair reflection on the condition of the car (which are just over £400).

    However, I have paid a higher monthly payment on the car to allow for higher mileage, and I haven't actually covered as many miles as I expected.

    Had I gone over my agreed mileage I would have to pay 6 pence/mile. So working backwards the finance company (Audi) actually, in my opinion, owe be £900.

    I would like to reach an agreement with the finance company that based on this the EOC costs are written off. Obviously Audi are not willing to accepting this.

    Does anyone have experience of this situation? Are there any consumer rights or similar I can quote back to them to help my case?

    Thanks for any help in advance.
    Originally posted by Billiamg
    It simply doesn't work this way, move on.
    • Oakdene
    • By Oakdene 8th May 18, 2:14 PM
    • 2,443 Posts
    • 8,836 Thanks
    Oakdene
    • #4
    • 8th May 18, 2:14 PM
    • #4
    • 8th May 18, 2:14 PM
    Think someone was out in the sun too long over the bank holiday...
    Dwy galon, un dyhead,
    Dwy dafod ond un iaith,
    Dwy raff yn cydio’n ddolen,
    Dau enaid ond un taith.


    • motorguy
    • By motorguy 8th May 18, 2:22 PM
    • 17,854 Posts
    • 10,895 Thanks
    motorguy
    • #5
    • 8th May 18, 2:22 PM
    • #5
    • 8th May 18, 2:22 PM
    I wonder if any one has some advice for me please.

    I recently came to end of a PCP deal I had on a new car. I agree that the additional costs I have accrued are a fair reflection on the condition of the car (which are just over £400).

    However, I have paid a higher monthly payment on the car to allow for higher mileage, and I haven't actually covered as many miles as I expected.

    Had I gone over my agreed mileage I would have to pay 6 pence/mile. So working backwards the finance company (Audi) actually, in my opinion, owe be £900.

    I would like to reach an agreement with the finance company that based on this the EOC costs are written off. Obviously Audi are not willing to accepting this.

    Does anyone have experience of this situation? Are there any consumer rights or similar I can quote back to them to help my case?

    Thanks for any help in advance.
    Originally posted by Billiamg
    It was a contract for "up to" the agreed mileage. If you did less then you dont get anything back.

    So - theres no "disagreement", you're simply wrong and they're right
    "We have normality. I repeat, we have normality. Anything you still can't cope with is therefore your own problem."
    • debtdebt
    • By debtdebt 8th May 18, 11:01 PM
    • 635 Posts
    • 416 Thanks
    debtdebt
    • #6
    • 8th May 18, 11:01 PM
    • #6
    • 8th May 18, 11:01 PM
    If there was any tread left on the tyres over and above the 1.6mm required by law, why don't you net that off the return charges too?
    • Billiamg
    • By Billiamg 9th May 18, 11:33 AM
    • 4 Posts
    • 1 Thanks
    Billiamg
    • #7
    • 9th May 18, 11:33 AM
    • #7
    • 9th May 18, 11:33 AM
    Thanks for your sensible response Motorguy. I simply wanted to know if I had a case or not.
    • motorguy
    • By motorguy 10th May 18, 9:20 AM
    • 17,854 Posts
    • 10,895 Thanks
    motorguy
    • #8
    • 10th May 18, 9:20 AM
    • #8
    • 10th May 18, 9:20 AM
    Thanks for your sensible response Motorguy. I simply wanted to know if I had a case or not.
    Originally posted by Billiamg
    No problem
    "We have normality. I repeat, we have normality. Anything you still can't cope with is therefore your own problem."
    • d0nkeyk0ng
    • By d0nkeyk0ng 10th May 18, 9:54 AM
    • 653 Posts
    • 238 Thanks
    d0nkeyk0ng
    • #9
    • 10th May 18, 9:54 AM
    • #9
    • 10th May 18, 9:54 AM
    You paid extra for being allowed to do more miles. You had the choice to do more miles. You didn't. Hence there's no obligation for the finance company to do anything.


    If you wish, you're free to drive around and rack up some more miles.


    Your complaint is no different from being thirsty and wanting to buy a can of Coke for 60p. You then decide to pay 40p extra for a 500ml bottle in case you're more thirsty later. You open the bottle, drink 330ml and then decide you're not that thirsty, and don't want the rest. You go back to the shop and demand your 40p back for not drinking the extra 170ml.


    How many shops and stores would be happy to pay you the 40p?
    • LeeUK
    • By LeeUK 10th May 18, 10:15 AM
    • 6,100 Posts
    • 2,769 Thanks
    LeeUK
    You paid extra for being allowed to do more miles. You had the choice to do more miles. You didn't. Hence there's no obligation for the finance company to do anything.


    If you wish, you're free to drive around and rack up some more miles.


    Your complaint is no different from being thirsty and wanting to buy a can of Coke for 60p. You then decide to pay 40p extra for a 500ml bottle in case you're more thirsty later. You open the bottle, drink 330ml and then decide you're not that thirsty, and don't want the rest. You go back to the shop and demand your 40p back for not drinking the extra 170ml.


    How many shops and stores would be happy to pay you the 40p?
    Originally posted by d0nkeyk0ng
    To be honest the way things are going, if you bought it from a supermarket they'll give you a full refund for the bottle plus a voucher/points. Not joking.
    • davidwood681
    • By davidwood681 10th May 18, 10:19 AM
    • 646 Posts
    • 1,925 Thanks
    davidwood681
    To be honest the way things are going, if you bought it from a supermarket they'll give you a full refund for the bottle plus a voucher/points. Not joking.
    Originally posted by LeeUK
    Yep.

    We have too many consumer rights and not enough personal responsibility
    • motorguy
    • By motorguy 10th May 18, 11:19 AM
    • 17,854 Posts
    • 10,895 Thanks
    motorguy
    Yep.

    We have too many consumer rights and not enough personal responsibility
    Originally posted by davidwood681
    Whats worrying is that attitude is spreading in to the private market too - sell anything now, genuine private sale and people expect to have rights / part refund / refund if something goes wrong with it down the line.
    "We have normality. I repeat, we have normality. Anything you still can't cope with is therefore your own problem."
    • JP1978
    • By JP1978 12th May 18, 10:55 AM
    • 459 Posts
    • 315 Thanks
    JP1978
    To be fair, over on PistonHeads, people have commented that the BCA inspector picked up several damages but no bill was ever forthcoming and they had put it down to them been well under the mileage allowance, so a little tit for tat as it were.

    Obviously nothing could ever be shown in writing, it was just the leasers experience that the damage was written off due to the lower miles than expected.

    So I dont think its an unreasonable question to at least ask TBH. OP isnt disputing the £400 charge and is taking responsibility for it. They are just looking for an angle to reduce it - after all, this is a moneysaving website is it not?

    OP, what is the damage to the car - are you sure its compliant with the BVRLA code (on vw/Audi Finance website)?
    • JP1978
    • By JP1978 12th May 18, 11:05 AM
    • 459 Posts
    • 315 Thanks
    JP1978
    You paid extra for being allowed to do more miles. You had the choice to do more miles. You didn't. Hence there's no obligation for the finance company to do anything.


    If you wish, you're free to drive around and rack up some more miles.


    Your complaint is no different from being thirsty and wanting to buy a can of Coke for 60p. You then decide to pay 40p extra for a 500ml bottle in case you're more thirsty later. You open the bottle, drink 330ml and then decide you're not that thirsty, and don't want the rest. You go back to the shop and demand your 40p back for not drinking the extra 170ml.


    How many shops and stores would be happy to pay you the 40p?
    Originally posted by d0nkeyk0ng
    No its not really.

    The additional damage OP has caused, reduces the value of the car.

    The amount of miles that the OP signed up for gave VWFS an estimate of the future value of the car.

    The amount of miles that the car has now (under the agreed mileage) will mean the car will be worth more than the original estimate (£900 will mean 15,000 miles less). This means that the car can be sold for more.

    With your bottle of Coke analogy, as soon as it was opened it was worth £0 value. Regardless of how much was taken, 0ml, or all 500ml, it is still worth £0.

    As my other reply, OP isnt denying the £400 charge, just hoping if anyone else has had better experiences in how to convince VWFS to move their stance - not an unreasonable request I dont think.
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