PCH car handed back with chargers
Discussion
Hi folks,
A friend of mine took in 2016 a Countryman Coopers S on PCH (used car) (irrelevant the brand but just so you can have an idea about how bad of a deal she got) with 48k miles on the clock and she gave it back last week with 56k. She paid £2.5k upfront for it and then agreed £151 a month for a 4 years PCH.
She was also charged £990 for what goes under (Warranty/lifetime cover/Gap) on the bill she received.
Now I told her to give the car back because it was a massive rip off. Since she got the car she paid around £1,300 in servicing, tires changing, wipers all done at the dealership where she got the car from. Now she handed the car back and paid £600 for GAP insurance (she never claimed anything)
Also, she was billed £1,300 for damage which includes a list of damages of £50 valeting (she valeted the car the week before giving it back), Rust on alloys £60 each, small scratches £60, Fog Lamp L and R £91.50 each, rear tyre incorrect spec £113, roof small chip even full service history (to be calculated based on incomplete servicing). She did all the work and servicing at the dealership she got the car from. In her contract it states that all the repairs to be carried out at the supplying dealership.
Now I told her not to sign that bill and challenged it. Has anyone been through something different?
She got the car from
if it matters.
ETA
Sorry no names, breaches ROP No.22
A friend of mine took in 2016 a Countryman Coopers S on PCH (used car) (irrelevant the brand but just so you can have an idea about how bad of a deal she got) with 48k miles on the clock and she gave it back last week with 56k. She paid £2.5k upfront for it and then agreed £151 a month for a 4 years PCH.
She was also charged £990 for what goes under (Warranty/lifetime cover/Gap) on the bill she received.
Now I told her to give the car back because it was a massive rip off. Since she got the car she paid around £1,300 in servicing, tires changing, wipers all done at the dealership where she got the car from. Now she handed the car back and paid £600 for GAP insurance (she never claimed anything)
Also, she was billed £1,300 for damage which includes a list of damages of £50 valeting (she valeted the car the week before giving it back), Rust on alloys £60 each, small scratches £60, Fog Lamp L and R £91.50 each, rear tyre incorrect spec £113, roof small chip even full service history (to be calculated based on incomplete servicing). She did all the work and servicing at the dealership she got the car from. In her contract it states that all the repairs to be carried out at the supplying dealership.
Now I told her not to sign that bill and challenged it. Has anyone been through something different?
She got the car from
if it matters.ETA
Sorry no names, breaches ROP No.22
Edited by Big Al. on Saturday 26th October 22:05
Was the damage within the BVRLA guidelines? She was probably given a guidebook when she bought the car. If it’s outside the guidelines then she’s liable. It will all be in the paperwork she signed for when buying the car which she no doubt hadn’t read. Did she also check herself when handing it back? Might have been cheaper to sort out the damage herself.
She also signed up for the add-ons so should take some responsibility for that. She got a st deal, but she’s an adult and should have looked past the shiny-shiny and focused on that deal.
GAP can be worthwhile (if bought direct and not from the dealer). I’ve had it on my cars and you’d appreciate it if you need to claim. It’s an insurance product so expensive if you don’t use it and a god send if you need to claim off it.
By all means challenge it if you think it’s unfair but you may be in for an uphill struggle.
She also signed up for the add-ons so should take some responsibility for that. She got a s
t deal, but she’s an adult and should have looked past the shiny-shiny and focused on that deal.GAP can be worthwhile (if bought direct and not from the dealer). I’ve had it on my cars and you’d appreciate it if you need to claim. It’s an insurance product so expensive if you don’t use it and a god send if you need to claim off it.
By all means challenge it if you think it’s unfair but you may be in for an uphill struggle.
Edited by valiant on Saturday 26th October 22:46
How is it a st deal?
It looks reasonable enough to me, sure it’s not a great deal, but it’s not terrible.
I just looked on mini, 2016 Countryman seem to be £15-£18k, 2011 seem to be £8-£9k so about £8k depreciation absolute best case (let’s be honest that depreciation is likely quite optimistic.) She is paying £9750.
t deal?It looks reasonable enough to me, sure it’s not a great deal, but it’s not terrible.
I just looked on mini, 2016 Countryman seem to be £15-£18k, 2011 seem to be £8-£9k so about £8k depreciation absolute best case (let’s be honest that depreciation is likely quite optimistic.) She is paying £9750.
On what basis has she given the car back? Surely they must be charging a significant amount of the outstanding lease payments?
I have to say though, £150 ish a month doesn’t sound like a terrible deal to me and unless there was some other underlying issue I’d have been inclined to let the contract run it’s term.
I have to say though, £150 ish a month doesn’t sound like a terrible deal to me and unless there was some other underlying issue I’d have been inclined to let the contract run it’s term.
Mercky said:
If the rear tyre was the incorrect spec, then surely the dealership should pay as they fitted it?
Service dept wouldn’t know if she’s on a lease, bought outright, pcp, etc. Tyre was worn out/damaged and you’re presented with a range of options from cheap to expensive. It’s then up to you to choose.With some leases they must be a similar like for like swap so if a premium tyre is supplied originally then a similar branded premium tyre must be fitted. You won’t get away with some lease companies putting a budget tyre on as a replacement. Again this will be in the paperwork and she should have checked and demanded a like for like replacement.
Sheepshanks said:
Is she still your friend? You've cost her an awful lot of money to do 8000 miles.
Is it really PCH, or do you mean PCP?
Sorry, I got the terminology wrong. It is PCP (if that's the one with a final payment as option). Basically she got a pre reg (the car was registered in 2012 for the first time) car in 2016 with 48k miles on it so it was not a brand new car (hence why I think it is a bad deal) The servicing, brake pads and tires changing has been done at the dealership from where she got the car. (in the contract it says that servicing and additional work to be carried out at the supplying car dealership). She has done 8k miles since 2016 to now. The car been in 3-4 times for loss of pressure, wrong tires fitted and all the work ever carried was at the dealer she got the car from. On all the invoices it is a discount of around 10% stating it is Lifetime cover (I assume this is somehow the Is it really PCH, or do you mean PCP?
£990 cover she paid for).
The issue is the final bill she got which somehow doesn't match the reality. For a 9 year old car out of which she had the car only for the past 2, paying for rust, small scratches, and foggy front lamps seems too much.
nikaiyo2 said:
How is it a st deal?
It looks reasonable enough to me, sure it’s not a great deal, but it’s not terrible.
I just looked on mini, 2016 Countryman seem to be £15-£18k, 2011 seem to be £8-£9k so about £8k depreciation absolute best case (let’s be honest that depreciation is likely quite optimistic.) She is paying £9750.
She got a 7 years old car with 48k miles on it for which she paid all the expenses + £990 (some cover which I can't figure what it is as it says lifetime/warranty/GAP)t deal?It looks reasonable enough to me, sure it’s not a great deal, but it’s not terrible.
I just looked on mini, 2016 Countryman seem to be £15-£18k, 2011 seem to be £8-£9k so about £8k depreciation absolute best case (let’s be honest that depreciation is likely quite optimistic.) She is paying £9750.
Now, they asked her to pay £600 for GAP insurance when she handed the car back and she did. but all those charges which add up to £1,300 is excessive considering that the car was already 7 years old with visible wear and tear. She is paying for it like it is brand new and also for some bits which come up with the age of the car like rust and foggy lamps.
I am trying to help her as I feel like she is being taken advantage off.
I'm guessing that when she purchased the car the dealership also sold her lifeshine (paint protection) and GAP insurance and rolled the cost into the monthly payments. Because is now returning the car early they want this paying in full.
Unfortunately returning a PCP early and just walking away is rarely a good idea. It sounds like didn't read a single thing in the contract that she signed.
Unfortunately returning a PCP early and just walking away is rarely a good idea. It sounds like didn't read a single thing in the contract that she signed.
florincmf said:
She got a 7 years old car with 48k miles on it for which she paid all the expenses + £990 (some cover which I can't figure what it is as it says lifetime/warranty/GAP)
Now, they asked her to pay £600 for GAP insurance when she handed the car back and she did. but all those charges which add up to £1,300 is excessive considering that the car was already 7 years old with visible wear and tear. She is paying for it like it is brand new and also for some bits which come up with the age of the car like rust and foggy lamps.
I am trying to help her as I feel like she is being taken advantage off.
I would stop trying to help, you talked her into walking away from a perfectly reasonable purchase agreement and landed her with the costs associated with that.Now, they asked her to pay £600 for GAP insurance when she handed the car back and she did. but all those charges which add up to £1,300 is excessive considering that the car was already 7 years old with visible wear and tear. She is paying for it like it is brand new and also for some bits which come up with the age of the car like rust and foggy lamps.
I am trying to help her as I feel like she is being taken advantage off.
I still can not get my head round why you thought the price she was paying was so egregious that handing the car back was the best option...
When you talked her into to handing the car back did you not think what the ramifications would be?
Would it not have made sense to understand the costs of handing back early before you did it?
She is being asked to pay for the extras rolled up into the finance agreement. She will also be paying any shortfall between the trade in value and the amount left outstanding on the loan. For instance she owes £6500 but the dealer values the car at £5200, she will have to pay that amount.
sparks_190e said:
I'm having a hard time getting my head around this, chiefly what the big issue was in the first place?
I think, the op likely has an old car he tinkers with and is known as a car guy in his social circle.Therefore a friend who knows little about cars assumes he will understand a finance agreement she has signed for a car and doesn’t understand herself.
Op then decides she is paying too much for a car without having anything to compare it to or even under a ding what pcp or other similar finance works.
They then both decide the deal needs to be cancelled. Because neither of them understand the finance, the deal or the terms, there is further confusion on returning the car.
Op then comes on here to share his bewilderment.
I think...
florincmf said:
Hi folks,
A friend of mine took in 2016 a Countryman Coopers S on PCH (used car) (irrelevant the brand but just so you can have an idea about how bad of a deal she got) with 48k miles on the clock and she gave it back last week with 56k. She paid £2.5k upfront for it and then agreed £151 a month for a 4 years PCH.
She was also charged £990 for what goes under (Warranty/lifetime cover/Gap) on the bill she received.
Now I told her to give the car back because it was a massive rip off. Since she got the car she paid around £1,300 in servicing, tires changing, wipers all done at the dealership where she got the car from. Now she handed the car back and paid £600 for GAP insurance (she never claimed anything)
Also, she was billed £1,300 for damage which includes a list of damages of £50 valeting (she valeted the car the week before giving it back), Rust on alloys £60 each, small scratches £60, Fog Lamp L and R £91.50 each, rear tyre incorrect spec £113, roof small chip even full service history (to be calculated based on incomplete servicing). She did all the work and servicing at the dealership she got the car from. In her contract it states that all the repairs to be carried out at the supplying dealership.
Now I told her not to sign that bill and challenged it. Has anyone been through something different?
She got the car from if it matters.
ETA
Sorry no names, breaches ROP No.22
I’ve seen a few countryman JCW’s with diamond cut alloys and they all corrode so I think £60 each wheel is actually quite a good deal considering a diamond cut alloy wheel refurb is at £100 in my experience.A friend of mine took in 2016 a Countryman Coopers S on PCH (used car) (irrelevant the brand but just so you can have an idea about how bad of a deal she got) with 48k miles on the clock and she gave it back last week with 56k. She paid £2.5k upfront for it and then agreed £151 a month for a 4 years PCH.
She was also charged £990 for what goes under (Warranty/lifetime cover/Gap) on the bill she received.
Now I told her to give the car back because it was a massive rip off. Since she got the car she paid around £1,300 in servicing, tires changing, wipers all done at the dealership where she got the car from. Now she handed the car back and paid £600 for GAP insurance (she never claimed anything)
Also, she was billed £1,300 for damage which includes a list of damages of £50 valeting (she valeted the car the week before giving it back), Rust on alloys £60 each, small scratches £60, Fog Lamp L and R £91.50 each, rear tyre incorrect spec £113, roof small chip even full service history (to be calculated based on incomplete servicing). She did all the work and servicing at the dealership she got the car from. In her contract it states that all the repairs to be carried out at the supplying dealership.
Now I told her not to sign that bill and challenged it. Has anyone been through something different?
She got the car from
if it matters.ETA
Sorry no names, breaches ROP No.22
Edited by Big Al. on Saturday 26th October 22:05
What’s wrong with the fog lights, if they’re cracked or broken, they do need to be replaced. The way PCP works is that the finance company pays for a car, let’s you rent it at a fixed price provided you return the car in the condition they want it to be in, so they want it to be presentable for them to then sell on and either get their money back or make money on it. You’d think some dealers/finance company’s would try to take the piss and over charge you but there are the BVRLA Guidelines they have to abide by to make sure nobody gets f
ked. I don’t know what condition your friends Mini is in but if you believe they’re taking the piss, take it further and you’ll win!
I’ve see
Flumpo said:
I think, the op likely has an old car he tinkers with and is known as a car guy in his social circle.
Therefore a friend who knows little about cars assumes he will understand a finance agreement she has signed for a car and doesn’t understand herself.
Op then decides she is paying too much for a car without having anything to compare it to or even under a ding what pcp or other similar finance works.
They then both decide the deal needs to be cancelled. Because neither of them understand the finance, the deal or the terms, there is further confusion on returning the car.
Op then comes on here to share his bewilderment.
I think...
Sadly, I think this is exactly what has happened.Therefore a friend who knows little about cars assumes he will understand a finance agreement she has signed for a car and doesn’t understand herself.
Op then decides she is paying too much for a car without having anything to compare it to or even under a ding what pcp or other similar finance works.
They then both decide the deal needs to be cancelled. Because neither of them understand the finance, the deal or the terms, there is further confusion on returning the car.
Op then comes on here to share his bewilderment.
I think...
Chestrockwell said:
I’ve seen a few countryman JCW’s with diamond cut alloys and they all corrode so I think £60 each wheel is actually quite a good deal considering a diamond cut alloy wheel refurb is at £100 in my experience.
What’s wrong with the fog lights, if they’re cracked or broken, they do need to be replaced. The way PCP works is that the finance company pays for a car, let’s you rent it at a fixed price provided you return the car in the condition they want it to be in, so they want it to be presentable for them to then sell on and either get their money back or make money on it. You’d think some dealers/finance company’s would try to take the piss and over charge you but there are the BVRLA Guidelines they have to abide by to make sure nobody gets fked.
I don’t know what condition your friends Mini is in but if you believe they’re taking the piss, take it further and you’ll win!
I’ve see
Thank you for your input!What’s wrong with the fog lights, if they’re cracked or broken, they do need to be replaced. The way PCP works is that the finance company pays for a car, let’s you rent it at a fixed price provided you return the car in the condition they want it to be in, so they want it to be presentable for them to then sell on and either get their money back or make money on it. You’d think some dealers/finance company’s would try to take the piss and over charge you but there are the BVRLA Guidelines they have to abide by to make sure nobody gets f
ked. I don’t know what condition your friends Mini is in but if you believe they’re taking the piss, take it further and you’ll win!
I’ve see
I am not sure how some of you budget your costs but to me paying £9k for 2 years renting a 9 years old car, +being responsible of all the maintenance cost that comes with it (please bare in mind it's a 9 years old car) seem a pretty bad deal. She couldn't keep up with the cost for tires, servicing and monthly payments. To avoid late or missed payments, the best option was to give away the car.
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