VW Finance trying it on.
Discussion
I've searched a bit online for the answer to this but can't find any recent posts with VW Finance and VT so hopefully someone on here can assist or offer some first hand knowledge.
Basically after VT'ing my VW end of last year, they hit me with a £1100 excess mileage charge and £300 repair bill. Now I'm not arguing with them about the damage, it was there so that's fair.
My argument is that I was never informed at point of sale about minimum mileage on the car, neither through the initial sale (which actually happened during a childs birthday party being held at the garage) or being handed over. The salesman put through all the details through and gave me a monthly price. At time of hand over, again their was no mention of mileage per year or charges for excess mileage. He also knew where I lived and worked and as such, knew fine well the distance I was travelling (it was the 4th car I'd bought off of him).
So I put in a complaint regarding it and got a phone call back about a fortnight later saying they had investigated my complaint (strange since nobody actually talked to me about my version of events or what the complaint was based on) and that I was liable because the dealership say they always take each customer through the terms and conditions prior to sale and since the finance company weren't there, they can only go on what has been signed and as such, I'm liable.
Now my point is, how long would each handover be if the salesman goes through all the T&C's prior to signing? Short answer, hours and as such, how can they have gone through them since it takes 10 minutes tops.
Basically the "case manager" I was assigned had decided her answer when it hit her desk and I'm not even confident she even phoned the dealer and I was getting the brush off.
What do you think my best next steps would be as I'm pretty much not paying it.
The "best" bit is that prior to getting rid of that car, I bought another VW and guess what, absolutely no mention of limited mileage or excess mileage during that sale either and it was a different salesman than previous.
Basically after VT'ing my VW end of last year, they hit me with a £1100 excess mileage charge and £300 repair bill. Now I'm not arguing with them about the damage, it was there so that's fair.
My argument is that I was never informed at point of sale about minimum mileage on the car, neither through the initial sale (which actually happened during a childs birthday party being held at the garage) or being handed over. The salesman put through all the details through and gave me a monthly price. At time of hand over, again their was no mention of mileage per year or charges for excess mileage. He also knew where I lived and worked and as such, knew fine well the distance I was travelling (it was the 4th car I'd bought off of him).
So I put in a complaint regarding it and got a phone call back about a fortnight later saying they had investigated my complaint (strange since nobody actually talked to me about my version of events or what the complaint was based on) and that I was liable because the dealership say they always take each customer through the terms and conditions prior to sale and since the finance company weren't there, they can only go on what has been signed and as such, I'm liable.
Now my point is, how long would each handover be if the salesman goes through all the T&C's prior to signing? Short answer, hours and as such, how can they have gone through them since it takes 10 minutes tops.
Basically the "case manager" I was assigned had decided her answer when it hit her desk and I'm not even confident she even phoned the dealer and I was getting the brush off.
What do you think my best next steps would be as I'm pretty much not paying it.
The "best" bit is that prior to getting rid of that car, I bought another VW and guess what, absolutely no mention of limited mileage or excess mileage during that sale either and it was a different salesman than previous.
m3coupe said:
I've searched a bit online for the answer to this but can't find any recent posts with VW Finance and VT so hopefully someone on here can assist or offer some first hand knowledge.
Basically after VT'ing my VW end of last year, they hit me with a £1100 excess mileage charge and £300 repair bill. Now I'm not arguing with them about the damage, it was there so that's fair.
My argument is that I was never informed at point of sale about minimum mileage on the car, neither through the initial sale (which actually happened during a childs birthday party being held at the garage) or being handed over. The salesman put through all the details through and gave me a monthly price. At time of hand over, again their was no mention of mileage per year or charges for excess mileage. He also knew where I lived and worked and as such, knew fine well the distance I was travelling (it was the 4th car I'd bought off of him).
So I put in a complaint regarding it and got a phone call back about a fortnight later saying they had investigated my complaint (strange since nobody actually talked to me about my version of events or what the complaint was based on) and that I was liable because the dealership say they always take each customer through the terms and conditions prior to sale and since the finance company weren't there, they can only go on what has been signed and as such, I'm liable.
Now my point is, how long would each handover be if the salesman goes through all the T&C's prior to signing? Short answer, hours and as such, how can they have gone through them since it takes 10 minutes tops.
Basically the "case manager" I was assigned had decided her answer when it hit her desk and I'm not even confident she even phoned the dealer and I was getting the brush off.
What do you think my best next steps would be as I'm pretty much not paying it.
The "best" bit is that prior to getting rid of that car, I bought another VW and guess what, absolutely no mention of limited mileage or excess mileage during that sale either and it was a different salesman than previous.
What type of contract was it?Basically after VT'ing my VW end of last year, they hit me with a £1100 excess mileage charge and £300 repair bill. Now I'm not arguing with them about the damage, it was there so that's fair.
My argument is that I was never informed at point of sale about minimum mileage on the car, neither through the initial sale (which actually happened during a childs birthday party being held at the garage) or being handed over. The salesman put through all the details through and gave me a monthly price. At time of hand over, again their was no mention of mileage per year or charges for excess mileage. He also knew where I lived and worked and as such, knew fine well the distance I was travelling (it was the 4th car I'd bought off of him).
So I put in a complaint regarding it and got a phone call back about a fortnight later saying they had investigated my complaint (strange since nobody actually talked to me about my version of events or what the complaint was based on) and that I was liable because the dealership say they always take each customer through the terms and conditions prior to sale and since the finance company weren't there, they can only go on what has been signed and as such, I'm liable.
Now my point is, how long would each handover be if the salesman goes through all the T&C's prior to signing? Short answer, hours and as such, how can they have gone through them since it takes 10 minutes tops.
Basically the "case manager" I was assigned had decided her answer when it hit her desk and I'm not even confident she even phoned the dealer and I was getting the brush off.
What do you think my best next steps would be as I'm pretty much not paying it.
The "best" bit is that prior to getting rid of that car, I bought another VW and guess what, absolutely no mention of limited mileage or excess mileage during that sale either and it was a different salesman than previous.
If your argument is based on not knowing you had a mileage limit, i'd say it's pretty weak tbh. Did you think you could stick 100k miles on it and it would be fine?
Think your playing on a very sticky wicket if you think your going to get away with this......
If you take out a PCP over xMths, with a final payment, then it's pretty naive to believe there isn't a max mileage?
Did you really, honestly, believe you had unlimited mileage? And.... once you've signed the finance document YOUR accepting that you read it all, regardless of whether the dealer took you through it. If you needed 2hrs to read it all before signing, you should have taken it.....
Pay the money, your tottaly liable for it......
If you take out a PCP over xMths, with a final payment, then it's pretty naive to believe there isn't a max mileage?
Did you really, honestly, believe you had unlimited mileage? And.... once you've signed the finance document YOUR accepting that you read it all, regardless of whether the dealer took you through it. If you needed 2hrs to read it all before signing, you should have taken it.....
Pay the money, your tottaly liable for it......
As a user of VWFS, having had 2 new cars on PCP in the last 3 years, VW are very good at sending loads of contractual documentation out listing all of the terms of the agreement you entered into.
You will have been given the same documentation, so from where I sit, you haven't got a leg to stand on.
You will have been given the same documentation, so from where I sit, you haven't got a leg to stand on.
snake_oil said:
Sound odd. PCPs are usually priced based on estimated mileage because the mileage affects the GFV right.
Not usually, but always. Like the deposit and term, it's one the vital parameters of the dealThat said, there's still some doubt about charging for both damage (as long as the car is in reasonable condition) and excess milage under VT and the Consumer Credit Act says there should be no further charges. IIRC there was supposed to be a legal challenge over it, but I haven't seen anything reported.
Sheepshanks said:
snake_oil said:
Sound odd. PCPs are usually priced based on estimated mileage because the mileage affects the GFV right.
Not usually, but always. Like the deposit and term, it's one the vital parameters of the deal.
m3coupe said:
Sorry it was a PCP deal, they all have been including the new one.
They wouldn't have given you a PCP deal without specifying the mileage in your paperwork, as it affects the GFV.You signed to accept that mileage, therefore it's on you I'm afraid.
Edit - suggest change of thread title, as nobody is "trying it on"
Edited by Muzzer79 on Friday 11th January 17:17
Why is it that people can never acccept responsibility for their own mistakes nowadays, they always have to find someone else to blame.
The mileage stipulations will be in the paperwork that you signed, with all penalties clearly detailed, if you didn't read it then it is your problem OP.
The mileage stipulations will be in the paperwork that you signed, with all penalties clearly detailed, if you didn't read it then it is your problem OP.
I can't recall it being discussed when we took a VW PCP - but we were only taking it to get the deposit contribution, although I didn't tell the salesman that, but maybe it was obvious. There was no discussion about anything other than the cheapest PCP, which was 5K miles. If nothing else, he should have queried why we were buying a diesel for that mileage.
I did spend a bit of time on the document before signing, and he wasn't very happy about that. He was also absolutely adamant that I would be the owner of the car - he looked dumbfounded when I pointed to the bit in the contract that said VWFS owned it.
I can't quite recall the detail, but there was some other issue - I think instead of 35 monthly payments, it was stated as 37 (but still the same amount) and it wasn't obvious were that came from because the totals payable were as expected. The salesman was saying we wouldn't make the last two payments - it didn't make sense but again, as we were paying it off it didn't matter.
I did spend a bit of time on the document before signing, and he wasn't very happy about that. He was also absolutely adamant that I would be the owner of the car - he looked dumbfounded when I pointed to the bit in the contract that said VWFS owned it.
I can't quite recall the detail, but there was some other issue - I think instead of 35 monthly payments, it was stated as 37 (but still the same amount) and it wasn't obvious were that came from because the totals payable were as expected. The salesman was saying we wouldn't make the last two payments - it didn't make sense but again, as we were paying it off it didn't matter.
m3coupe said:
I've searched a bit online for the answer to this but can't find any recent posts with VW Finance and VT so hopefully someone on here can assist or offer some first hand knowledge.
Basically after VT'ing my VW end of last year, they hit me with a £1100 excess mileage charge and £300 repair bill. Now I'm not arguing with them about the damage, it was there so that's fair.
My argument is that I was never informed at point of sale about minimum mileage on the car, neither through the initial sale (which actually happened during a childs birthday party being held at the garage) or being handed over. The salesman put through all the details through and gave me a monthly price. At time of hand over, again their was no mention of mileage per year or charges for excess mileage. He also knew where I lived and worked and as such, knew fine well the distance I was travelling (it was the 4th car I'd bought off of him).
So I put in a complaint regarding it and got a phone call back about a fortnight later saying they had investigated my complaint (strange since nobody actually talked to me about my version of events or what the complaint was based on) and that I was liable because the dealership say they always take each customer through the terms and conditions prior to sale and since the finance company weren't there, they can only go on what has been signed and as such, I'm liable.
Now my point is, how long would each handover be if the salesman goes through all the T&C's prior to signing? Short answer, hours and as such, how can they have gone through them since it takes 10 minutes tops.
Basically the "case manager" I was assigned had decided her answer when it hit her desk and I'm not even confident she even phoned the dealer and I was getting the brush off.
What do you think my best next steps would be as I'm pretty much not paying it.
The "best" bit is that prior to getting rid of that car, I bought another VW and guess what, absolutely no mention of limited mileage or excess mileage during that sale either and it was a different salesman than previous.
Why did you VT the car rather than part exchanging it for the new one? Basically after VT'ing my VW end of last year, they hit me with a £1100 excess mileage charge and £300 repair bill. Now I'm not arguing with them about the damage, it was there so that's fair.
My argument is that I was never informed at point of sale about minimum mileage on the car, neither through the initial sale (which actually happened during a childs birthday party being held at the garage) or being handed over. The salesman put through all the details through and gave me a monthly price. At time of hand over, again their was no mention of mileage per year or charges for excess mileage. He also knew where I lived and worked and as such, knew fine well the distance I was travelling (it was the 4th car I'd bought off of him).
So I put in a complaint regarding it and got a phone call back about a fortnight later saying they had investigated my complaint (strange since nobody actually talked to me about my version of events or what the complaint was based on) and that I was liable because the dealership say they always take each customer through the terms and conditions prior to sale and since the finance company weren't there, they can only go on what has been signed and as such, I'm liable.
Now my point is, how long would each handover be if the salesman goes through all the T&C's prior to signing? Short answer, hours and as such, how can they have gone through them since it takes 10 minutes tops.
Basically the "case manager" I was assigned had decided her answer when it hit her desk and I'm not even confident she even phoned the dealer and I was getting the brush off.
What do you think my best next steps would be as I'm pretty much not paying it.
The "best" bit is that prior to getting rid of that car, I bought another VW and guess what, absolutely no mention of limited mileage or excess mileage during that sale either and it was a different salesman than previous.
When part ex'ing, the damage and mileage wouldn't have been an issue?
Edited by Mandat on Friday 11th January 20:59
m3coupe said:
....What do you think my best next steps would be as I'm pretty much not paying it.......
Start saving money because you're going to have to pay cash for everything with a CCJ against you! (including cars!)I've never bought a vehicle on PCP finance in my lifetime, but I am well aware that the monthly payments, and the final agreed value of the vehicle are in part, based on an agreed annual mileage, and that exceeding the mileage incurs a penalty (all of which are stated in the PCP agreement/contract)
Do yourself a massive favour and go and re-read your PCP agreement very carefully, before you end up making life very hard for yourself and your family financially!
Sheepshanks said:
I can't recall it being discussed when we took a VW PCP - but we were only taking it to get the deposit contribution, although I didn't tell the salesman that, but maybe it was obvious. There was no discussion about anything other than the cheapest PCP, which was 5K miles. If nothing else, he should have queried why we were buying a diesel for that mileage.
I did spend a bit of time on the document before signing, and he wasn't very happy about that. He was also absolutely adamant that I would be the owner of the car - he looked dumbfounded when I pointed to the bit in the contract that said VWFS owned it.
I can't quite recall the detail, but there was some other issue - I think instead of 35 monthly payments, it was stated as 37 (but still the same amount) and it wasn't obvious were that came from because the totals payable were as expected. The salesman was saying we wouldn't make the last two payments - it didn't make sense but again, as we were paying it off it didn't matter.
Surely the fact that a 5000 mile PCP was ‘the cheapest’ clearly implies that the price is based on an agreed mileage and therefore that there’ll be a cost to pay if that’s exceeded?I did spend a bit of time on the document before signing, and he wasn't very happy about that. He was also absolutely adamant that I would be the owner of the car - he looked dumbfounded when I pointed to the bit in the contract that said VWFS owned it.
I can't quite recall the detail, but there was some other issue - I think instead of 35 monthly payments, it was stated as 37 (but still the same amount) and it wasn't obvious were that came from because the totals payable were as expected. The salesman was saying we wouldn't make the last two payments - it didn't make sense but again, as we were paying it off it didn't matter.
I find the OP’s refusal to accept that quite incredible. I’ve never had a PCP or similar but it still seems pretty obvious to me.
Surely, we all know that, don’t we?
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