park motor finance VT help

[rwood10]

I have had too much dealings with park finance. I only stumbled across this website because I tried to send them an email and it failed!!!!! i tried to return our car under the half paid route only to be told by the assessor that the car was the worst he had seen! over 50% of the damage was there when we first got the car.

 

I recently received a bill for arrears outstanding £1,016, £46.89 of this is "late payment interest" when I was told on the phone that the account would be frozen so I could pay it off! Also on this statement is £30 repo recovery fee.

 

On the 7th october 2009, we received a letter stating that we must take action or the vehicle would be repossessed! The car was returned to them around May 2009!

 

On the 5th June 2009, we received a bill for arrears balance of £270.83. At this stage we were charged £1.83 late payment interest when we had already returned the car!

 

I apologise that i have written this backwards

 

This is the first time I have been able to actually deal with this as i have just recovered from a bout of depression.

 

Just from reading your post, I have a horrible feeling that we have been conned?

[Maggie_moo]

rwood10, do you have a breakdown of of what the arrears are for? If not, I would suggest you Subject Access Request them, as the many people on this site may be able to help

[rwood10]

thanks maggie

[rwood10]

could i give you the breakdown here?

[Maggie_moo]

Yes, of course, however if you are posting any documents please remove any identifying details. I may not be able to tell you what is right or wrong regarding the breakdown of arrears, but someone else at some point will

[rwood10]

thanks so much here goes

 

31/05/09 late payment interest £1.83

arrears £270.83

account balance c/f £4036.83

arrears c/f £270.83

30/06/09 £4036.83

30/06/09 3.38 4040.21

21/07/09 repo recovery fee 30.00 4070.21

31/07/09 late payment interest 5.19 4075.40

31/08/09 late payment interest 6.91 4082.31

30/09/09 late payment interet 8.35 4090.66

01/10/09 paid 20.00 4070.66

29/10/09 paid 20.00 4050.66

31/10/09 late payment interest 10.06 4060.72

30/11/09 late payment interest 11.17 4071.89

01/12/09 paid 20.00 4051.89

[Maggie_moo]

Did you clear the 1/2 way mark and VT your car?

[rwood10]

we did clear the half way mark...whats vt stand for?

[Maggie_moo]

Sorry, Voluntarily Termination

[rwood10]

no thankyou for your time.....yes we did

[Maggie_moo]

Ok, if you VT'd, do you know what the account balance of £4036.83 is for?

[rwood10]

because the car or the bodywork was "bad condition" and there was a noise in engine "which I couldn't hear!

[Maggie_moo]

So is this the 'bill' you have received for the condition of the car?

 

Did you take any photographs of the vehicle before VT'ing? I'm assuming you had an appointment to VT with a certain 'Mr Skull'?

 

This is what I suggest - firstly do not speak to anyone on the phone, keep all correspondance written and keep any documentation you receive. I would write asking for written confirmation of a breakdown of all fees and account balances, this costs £10, send a postal order.

 

Have you received a report from Mr Skull on the condition of the car? Have you received or asked for documentation regarding how much the car was auctioned for?

 

What type of car was it (it won't mean anything to me but will to other caggers )

[rwood10]

yes it was mr skull!!! who seemed nice but things are becoming clearer to me now. unfortunatly we didn't take photos of the car and he didn't send me a report at all. unfortunatly also because i was very upset he dictated a letter to me and asked me to sign it. i now see i shouldn't have done this. unfortunatly the only witness to this is my 12 year old son!!!!!

 

i haven't asked or received any documentation regarding the final price for the car in the auction. i was told that it was only fir for scrap! the car had been regularly serviced by a ford mechanic. It was a ford galaxy:-x

[Maggie_moo]

Unfortunately it would seem that as there is no proof from your end of the condition of the car, it makes things a little difficult.

 

But having said that, other more experienced caggers may be able to advise better than myself, I certainly think that they are stinging you regarding the £4036.83. I'm also not sure they are able to charge you late payment fees either on this amount. I am sure you will have some more constructive advice given.

 

Maggie x

[rwood10]

thanks for ur help x

[Maggie_moo]

Your welcome, although I haven't been a great help!

 

On other thing, I should have asked you to start your own thread and I didn't, I also think it you may get more help in another area, so if you click the red triangle underneath your name you can ask to have the thread moved here

 

Vehicle retailers and manufacturers - The Consumer Forums

[rwood10]

sorry i can't find the red triangle:confused:

[ScarletPimpernel]

sorry i can't find the red triangle:confused:

 

It's at the bottom of the box containing your username...

[rwood10]

i'm registered free on this site. does it make a difference coz i still can't see a red triangle ?:-?

[rwood10]

goodman.....can you help me? re park finance trying to diddle me?

[IdaInFife]

ok moved your posts to your own thread

 

ida x

[rwood10]

thanks how do i get there?

[IdaInFife]

you are on it

[rwood10]

yes i found it eventually thanks...not sure what to do now?