SEAT Finance have had my money since November with no signs of paying it back

Syphon

SCN Admin
Site Owner
Feb 28, 2002
8,193
1,521
South West
www.seatcupra.net
I've waited long enough, been patient, given SEAT Finance a chance to sort this out before I share this experience on the forum but enough is enough. Mistakes happen, it's what a company does to resolve them that they should be judged by.

I've been patient due to COVID, but they've had nearly a year to get used to working from home / recruit and train more staff to cope with extra demand. You know the saying "opinions are like..... everybody's got one" so I'll just provide the facts in the copy of the email I sent last week.

Email sent to SEAT Finance Monday 15th Feb

Hello,

Despite several phone calls, hours wasted on hold and being assured several times that a) you would clear my credit record as I don't owe you any money, you owe money, and b) that the money you owe me would be paid to me two weeks ago, I am still no further forward with this.

I am not prepared to hold for ages on the phone again to be told the same thing and nothing happen. I even received a letter from you last week warning that the car was not insured, and I should get it insured, despite the fact the car was collected in November!

Therefore, I'm giving formal notice that if the money I am owed is not paid back to me by the end of this week, midday Friday 19th February I have no choice to refer you to the Financial Ombudsman. I will also be claiming the same interest you claimed from me when I owed you money, backdated to the day the car was collected in November. If this were the other way around, I would have received threatening letters that I would be taken to court for being in debt.

To confirm:
  • The car was collected 05/11/2020
  • Payment was taken on 1st October £274
  • Payment was taken on 2nd November £274
  • You have £274 on my credit file you said you would clear
  • You confirmed you would pay me the £274 you owed me and still haven't.
You have my contact details, but in case you need them again my phone number is XXXXX XXXXXX.

After years of buying and financing SEAT cars, this is incredibly disappointing.

I trust you will be able to correct this swiftly before I must take further action.

Regards,

Scott

After further thinking I'm inclined to start a small claims court proceeding to get their attention, rather than go to the Financial Ombudsman as we're not actually in dispute, SEAT Finance have confirmed they owe me money, they just seem to be unable / unwilling to pay. Average on hold time has been 40 minutes to get through to someone.

I've tried SEAT Head Office who said two weeks ago they would get someone from SEAT Finance to call me as there was little they could do as it's a finance matter. That didn't even result in a phone call, hence the email I sent above, which has not had any response.
 

Hag

Active Member
Sep 15, 2018
396
189
VWFS have been absolutely shocking in general since the pandemic began and have not conducted themselves well at all with most personal and business customer. Some of my customers have shared with me some horror stories.

Like you said if you owed them money it would be a totally different experience which is always the case with large companies.

Fingers crossed they should come back to your emails etc in a certain time frame. Have you tried physically posting them a letter to see if you get a different response?


Sent from my iPhone using Tapatalk
 

Syphon

SCN Admin
Site Owner
Feb 28, 2002
8,193
1,521
South West
www.seatcupra.net
VWFS have been absolutely shocking in general since the pandemic began and have not conducted themselves well at all with most personal and business customer. Some of my customers have shared with me some horror stories.

Like you said if you owed them money it would be a totally different experience which is always the case with large companies.

Fingers crossed they should come back to your emails etc in a certain time frame. Have you tried physically posting them a letter to see if you get a different response?


Sent from my iPhone using Tapatalk

That's not good to hear it's not just me :(

Yes I'm writing to them now with the pre-court-action letter which will be emailed and posted. (y)
 
  • Like
Reactions: jcbmally

jcbmally

What the !!!!
Dec 26, 2013
593
198
Cybertron
That's not good to hear it's not just me :(

Yes I'm writing to them now with the pre-court-action letter which will be emailed and posted. (y)
Don’t forget to claim for phone calls as well, in this day and age it should just not be this hard to resolve things. Good luck buddy.
 
  • Like
Reactions: Syphon
Progressive Parts, performance parts and tuning specialists