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Starting the VT process - moneybarn **SUCCESS**


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I've started the VT process today and will keep people here updated as no one seems to have said anything about charges and what happens after they collect the car.

 

So far just had a call from moneybarn confirming BCA will be in touch within two days and then the car will be collected within 7 days.

 

 

My car is 6 years old with just over 30,000 miles and they said on the phone they don't expect it to be in mint condition but I'll be interested to see what the final bill is.

 

I'm very happy with this car but I still have two and half years worth of payments and for the little I use it, it's just not worth it.

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what charges?

they aren't allowed too under VT rules and regulations.

 

 

I take it you've sent our VT letter?

 

 

and read our like VT threads?

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Sorry by charges I mean damage to the car. Yes, I've sent the letter. Just waiting for BCA to contact me to arrange to collect it.

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hope you taken hundreds of photos

in/out under bonnet

under car using selfi-stick

 

 

they will try in on

but you simply counter by saying show me the proof it wasn't there when I bought it.

they cant end of problem

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 2 weeks later...

the car was inspected and collected today.

 

 

Very smooth process, some minor damage noted.

 

 

A dent, some scratches and a cracked front grille.

 

 

I haven't seen the final bill yet but can't complain so far.

He pointed out all the damage and I felt he was more than reasonable.

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expected wear and tear which they cannot charge for...

 

 

and is specifically mentioned about in the Consumer credit act Voluntary Termination rules

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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I think what he pointed out could not be classed as reasonable wear and tear especially the cracked grille. I don't mind paying a reasonable amount but I will have to wait for the bill. I presume I won't get that for a while yet but I will let you know how much it is.

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  • 2 weeks later...

The only thing they are charging me for is a machine operated polish which is £40. Can't complain considering the other damage noted on the initial inspection.

 

I will only get my final bill once the car has been sold at auction so I think it's still possible to get further charges but I will let you know. I think anyone going through this process shouldn't worry, they seem more than fair.

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1st time we've ever had that word linked with moneybarn here....

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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  • 2 weeks later...

great success

 

 

glad we were able to help

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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