Thank you for clarification on this worrying matter

Agreement uploaded

Old Rouge - I have sent you a PM

Very interesting reply Ironically, in relation to the mileage at the time of purchase we specifically stated we wanted 10,000 miles per year. However, the agreement and it's my fault for not checking only showed 6,000 miles which I would never had agreed to.

Sorry for delay.....work got in the way Yes the mileage has been exceeded and the T&C confirms that

Hi Thanks for reply. Yes, there is an excess mileage clause They have detailed the so called wear and tear and it amounts to no more than paint chippings, which would normally occur The car was brand new when bought and less than 3 years old

Hi I have read with interest the posts around VT and an earlier Peugeot VT. I have done the same thing reached the point where legally I have handed the vehicle back having met the % criteria. It states quite clearly on the HP agreement - You have the right to end this agreement. To do so, you should write to our Customer Services Department at Quadrant House, Princess Way, Redhill, Surrey, RH1 1QA. We will then be entitled to the return of the goods and to half of the total amount payable under this agreement, that is £7,082.56 . If you have already paid at least this amount plus any overdue instalments and have taken reasonable care of the goods, you will not have to pay any more Correct me if I am wrong but it states nothing more to pay. I have received an email that states that I am in "Default" and must now pay them excess mileage which amounts to £1,400 and damage in excess of "Industry standard wear and tear" amounting to £600. Surely this is covered by Nothing More to Pay. Please advise

Finally received a two page letter from RBS, which basically states its all my fault, pay £3900 or £154 per month. They have completely ignored the manner in which there staff have behaved. I have sent a letter back stating the above and offering to come to some arrangement on a reasonable FFS.

HI All Too date the statements dont show any charges. They have applied interest on a monthly basis, with no two amounts being the same. I have still continued to pay as i have done monthly. As you say, they dont seem to want to let go. I will wait for there response re the complaint and try some form of negotiation, if that is possible on the monthly payments or even suggest a FFS. Watch this space Ta Boyz

Hi Andy Sorry its has taken awhile to come back to you. I received on the 13.8.08, the statements from all of the accounts. Answering your questions first. Yes to the first it is the joint account, this is because RBS decided to use the Joint Acc as the means of receiving payments for the other accounts. The second question - I am not sure what F/F/S means ?. Third question - Yes all statements received on the 13.8.08. The content of all have taken some working out. It has taken some working out, but i have now managed to work out what is what. It would appear that the original figures i was given over the phone were complete nonsense. Firstly, all my payments which i have calculated according to the bank statements and which i believe to be correct total £2334.76. NO 1 Account as of the 29.11.04 was 144.24p Overdrawn - as of 16.7.08 with interest having been applied and no payments from RBS having been paid into it is - £244.73p No 2 Account as of the 31.12.04 was £3442 OD - as of the 16.7.08 with interest having been applied and no payments from RBS having been paid into it is - £5614.84. No 3 Account (This one is what RBS accepts the payment into) as of the 16.12.04 was £2824.08, still applying interest to it and with all payments going into this it is as of the 16.7.08 - £1770.45. So the total owed intially across the accounts was £6410.24, with all payments would now be £4075.48, that i would owe. However with interest the total now stands at £7631.02. It would seem that given that they would now accept a payment of £3900, it is a lovely gesture of £175.02 off the figure I really owe. I find it devastating that RBS can simply phone you up, frighten you to death with extortionate figures to lure you into paying what is the real amount that you owe. Of course if i had the monies i would pay it, but i dont, so of course the interest if they have there way keeps going up. It still is an impossible debt to pay, as there can be no end. I could probably muster around the £2000 mark, with extreme difficulty, but i dont see them really accepting that. I have had four letters too date, saying that they are still investigating and will come back to me within two weeks I hope that puts you in the picture.

HI Andy, Received 28.7.08. a Subject Access Response, which contains the history of what they have been doing with the account. In brief it covers as i have explained what happened to the accounts. I have also seen on the 20.7.04 and the 18.10.04 Default Notices, which i know nothing about. The majority of the input, are notes referring to "Unsecured Deal Made", each time they have phoned and increased the payment amount. Interestingly, there is an entry on ythe 17.6.04, which is what sparked my initial fury and i quote "Unsecured Deal Made DEAL AGREED £3900 f&f paid by 10.7.08 LCA No-Ops. advised affordability Confirmed. Updated letter sent to confirm no review *Advised cust if cannot pay advised need £158.04 pm* joint inline with link". Entry on the 14.7.08. Request signed authority of Mrs *****. Entry on 16.7.08. Statements have been ordered for all accounts Entry on 22.7.08. Signed authority received. Letter refers to DSAR and complaint. The complaint is being dealt with by CCT case handler. DSAR to progess. It would seem that the 40 days has been put back by them, due to the signed authorities not being received until the 22.7.08. (Wasnt aware post was that slow). Do i take this as having to wait for all the statements until the 31.8.08 as opposed to the 6.8.08 Blue Moon

Hi Andy, How do i contact site member Blue

Andy, Each time i edit, it just comes back as previous BM

Hi Andy, Fully edited. standard letter back today. It states within it " Please be aware it is not our practice to provide further copies of standard documents that you would have received as part of normal course of business. This would include providing you with further copies. However if you do wish us to include copy statements, please advise us at your earliest convenience. Please also confirm the statement period you wish to cover. They do state that they acknowledge receipt of my request and the £10 fee. So I will request them from the time i stopped receiving them, which they know anyway

Sorry about the way it has come out. I think the computer said "No". I think or at least i hope you have the jist of the letter