Hello, when commencing work I was given a company Car which was basically a Loan. I was given the standard Loan agreement which stated the end payment would be in May next year and a also seperate policy which stated the same date but also stated upon reaching 81k milage the car would also be replaced / taken back. Now my issue is I have almost reached this milage (81k) that was stated in the policy and now I have been told the policy has changed to 91k... even though I or anyone else was told in the company of this change. Is this possible for them to do even though it is based on a Loan that is covered by the consumer credit act 1974, no one was told and that at the time of signing it was 81k... For various reasons I do not want the Car Many thanks

Have decided to take peoples tips from this post but will be going through FOS sent the forms off yesterday, even though its not much money on this I will NOT back down as I beleive these sort of placed need to stop thinking just of profits and think more of the people on the other end

1. Yes I did 2. It was coming to the end of the 3rd year 3. I am aware it is not currently illegal to have a Car without insurance if it is stored on private property, this does seem to be their small grasp of getting some money out of me which I will go to court over if required as it would only make me more than happy to hear them say in Court I am falsifying claims of doing this. I have decided that it may be best to write to them one last time with all the paper work I have, if they believe to accept then it will be over, if not at the bottom of the letter I will ask them to take this straight to Court and stop faffing about.

I've done everything except send them a copy of the letter as I thought since from their first reponse with it not being a SORN or a new license agreement it wouldn't be much good. I'm at the point where I know I cancelled it, if they wanted to kickup a fuss they should of back then and not just leave it.. This in turn as ust made me dig my heels in

Its been a long week! When starting my new job the Car was stored off the road, then when the Tax ran out (It was on HP and I was trying to return it at this time) I declared a SORN which was about two months ago, the Car was returned last week to the Motor company. Tesco are asking for me to pay from roughly June - Oct last year while the car was off road but not declared as SORN due to it being taxed.

Unless I can drive two cars I find it quite difficult to drive my old Car as I have been riving a Company car since I canceled the insurance. Also presently it is not illegal to own a Car without Car insurance as long as it is privately stored etc.

I cancelled my Car Insurance last year and stopped my direct debit, I'm now getting letters from them and a debt collector asking for money as they say they got no letter from me stating that I wanted to cancel so they kept on charging me until now! Now they say that if I don't have a SORN or proof of other insurance the debt still stands, all I have is a photo copy of the original letter I sent (what has the date on).. I've already told them that I wrote to them which they say they didn't receive. My next step is to take legal action as I've had enough of them, so what I bascially would like to know is what is the best route, should I go straight to the courts, their watchdog (which is?) or give them one last chance.

Don't know about a charge but I had a settlement figure broken down by WCF and sent a letter back saying thank you for the breakdown bla bla bla any further charges for this account which are not agreed by myself will be ignored.. Nothing was heard about this so if they try they will have to take it to court.. Saying that apart from taking their time to answer my 1st letter they have been very good

Spoke to the above people (Well emailed so it is all still in writing) Seem nice enough people and answered everything I asked. Car gets picked up next Thursday.

Have been contacted by a Company called P&A ("Specialists in Credit Management") Bit confused as why it has gone to them and is not collected by WF or they haven't ask for myself to deliver? Has anyone else had dealings with these people

Cheers, thats what I thought!! Just wanted a bit of backup, I've asked around at work and they also all just laughed at me

If you cancel it giving all the correct warning do you have to give them (Tesco) details of your new insurance or sale of the Car? I thought if you just cancelled it and kept the car in storage (garage) it was up to you.

Thanks for that... I heard from someone that if you cancel your Car insurance that you must show proof to the old provider that the Car has even been sold or re-insured, is that true?? Old asking as I was going to put the Car i my garage until returned and stop my insurance

Anyone who has returned their Car know roughly how long to wait before they contact for its return? The RAC have been and gone just over a week now and that was the last contact I had

Does anyone know who I should write the V5 out to

Thanks I've ust had a look at the credit agencies and it seems like there are some marks against my name!!..Letter to be posted on Monday! But as I looked through I saw some old items such as mobile phones which say Current balance = Satisfied. Does this mean the same as Settled??

Just had a letter n the post that they are refunding my bank account, though due to the nature of my situation it does not make money in my hand, but it does return the account to £00.00 which I'm happy with. Now, it also states in the letter they will still be closing my Bank account and that they can not remove any default notices due to it being correct, now I'm going to write them a letter as I can't tell if they mean they have put something on my credit record or if they can't change whats already on there??!But is there a free way online to check my record? Oh by the way I'm about to check in town if my account is closed and if it is off goes another letter (also asking about my credit record)....... How they must love me!!

Ahh I see, try to get it i writing if you haven't already that you and WCF agreed to stop the DD with your Bank, and all remaining ££ would be settled upon return of the Car I've gone the other way and agreed with them to keep my DD open until the final figure has been reached

I don't understand why you are being taken to court do you have arrears on your account. I'm at the same stage as you but I have done all my communications with them via letter, or have asked for what we have agreed on over the phone to be sent by post "as I have a bad memory" If you have started the return of the car, have kept payments and come to an agreement of return, I can't really see what they can do.... ... Or have you stopped your DD when starting this??

Urgent help needed: Sent my final letter before taking action to them a week and a half ago, which I posted to both the local branch and to their main address. Today I had a letter stating that since I have not been in contact with them (I hae made contact to which I had replies from them reading "charges were fair and no action will be taken") that they have now closed my bank account and will take action by 12th March. Now, here come the silly part, I called them up and as I wanted it from the horses mouth why they can't get their customer services right, the answer I got (which I recorded and informed them I was doing so) was they have only just received my final letter and they will get back to me within 28 days!! I asked them why was this letter being dealt with differently as it is a near duplicate as my others which was just snubbed at. She said she didn't know and to ignore the letter about taking action as they were now looking into it, and that if I didn't wait I was being unfair to them!:o .. So what I need to know is should I wait until my schedule of next monday before making a claim (which just so happens is the date they are taking action), or, do I trust them and wait up to 28 days.. or do I just take their final letter as they are just ignoring me and/or playing about and make a claim right away

Just spoke to WF and they have said that I still need to pay just over 1k for insurance which seems like from the above link I'll have to "Terminating/ending your hire purchase agreement does not terminate a subsidiary insurance agreement. You will remain liable to pay it." Still if it gets the car going then its ony about 4 payments to which I currently make, which is better than a further x amount. Car is getting inspected by the RAC on behalf of WF and it now has an MOT which I only had to get one tyre.. .. Touch wood it has a happy ending!

Just sent off the final letter before action letter even thought its not much money to fight over I'm more than willing to go all the way to be part of the stand

Long story short, I opened an account with A&L about six months ago as I am currently claiming against another bank and some how within those 6 months I've cgot £90 of chanrges and I hardly use the account!!! So I wrote off to them with the standard letter from this site and with in no more than 2-3 days I got a letter back saying the charges are fair and they're not movng. .. Now I have to have a bit f a read up on this bank before taking it further but jsts wondered if this was the norm for them?? Thanks in advance!

Well after 2 ignored letters they have finally got back to me stating that they have tried contacting me and that i need to call them at a specified address which isn't my local branch.. ..So has anyone been through this before and hae an idea of what tey may ask or get me to agree to, I was going to go along the lines of (bt more nicely) just send me a pack in the post or give me a very good settling offer o can sell the car privately. Any ideas

I've had a ready of as many WCF stories as possible after sending 2 letters to both my local car outlet and the local finance office. so what to do now?! ... Here is what I was thinking 1. go into the local Finance office and ask for what my arrears are. 2. (think I missed one payment right at the start) pay off any arrears and what ever takes me to the VT agreement which if any will be a VERY small amount under. 3. When I'm still there hand over the below letter making sure I have their name, what will also be on the receipt proving I've been in .. Question are: 1. The Cars MOT will be up shortly will this void/stop any proceedings without one? 2.I can't currnetly find the V5 but was thinking of reporting change of ownership to the DVLA.. Is this a good idea? if so what is ther address it should go to? 3. When handing over the below letter is it a good idea to keep any direct debits open in case they drag this out? My letter which is copied from other various threads: My name and address VT Request Agreement No: ------------ Vehicle: ------------ Current mileage: ------------ Date In accordance with my rights, I wish to end this agreement. I understand that Finance Company will only accept this notice on the provision that I have complied with the Terms and Conditions relating to my rights to terminate the agreement, as set out in my contract. Directly prior to this letter I have paid any arrears within the WCF **** branch so there are no defaults on this account. I have complied with my obligations as laid out in the1974 C.C.A act and will not be responsible for any further payments on the above agreement from the date of this letter. I will return the above vehicle within 5 working days from the date of your reply including all keys and documentation will be returned: service records, immobiliser, immobiliser codes and security keys. Note that he V5 is currently being registered to yourselves and will be in your possession via the DVLA I understand that you will notify me in due course or any post sale liabilities including excess mileage and damage liabilities and if consistent with my agreement and taking into account fair wear and tear it is valid will be paid by return, note that I have also taken a 3rd party examination of the vehicle preceding its return. Any delay on charges incurred by myself including storage of the aforementioned car will be followed with the appropriate action. Name: ………………………………………………………………… ……………… Signature: …………………………………………Date : …………………….