Yes, a template letter can be a helpful starting point for complaining about potentially mis-sold car finance in the UK. These templates can provide a clear structure and ensure you include all the key information in your complaint.
Here are some things to keep in mind when using a template letter:
- Tailor the template to your specific situation. While templates offer a good starting point, be sure to personalise it with details specific to your car finance agreement and the reasons you believe it was mis-sold.
- Focus on the facts. Clearly outline the date you took out the car finance agreement, the lender involved (without naming them), and the details of the agreement you believe are misrepresented.
- Explain how the mis-selling has impacted you financially. For example, did it lead to higher monthly payments than you were expecting, or did it prevent you from choosing a more suitable car?
- Keep it concise and professional. While you want to be clear about your concerns, avoid overly emotional language.
- Include copies of any relevant paperwork. This might include the original car finance agreement, any sales brochures advertising unrealistic fuel efficiency, or emails outlining the terms of the agreement.
Finding a Template Letter:
There are various resources online that offer free template letters for complaining about mis-sold car finance in the UK. Here are a few reputable sources to consider:
- Citizens Advice: https://www.citizensadvice.org.uk/consumer/buying-or-repairing-a-car/the-car-you-bought-is-still-on-hire-purchase/
- The Financial Ombudsman Service (FOS): https://www.financial-ombudsman.org.uk/businesses/complaints-deal/consumer-credit/car-finance
- Money Saving Expert: https://www.moneysavingexpert.com/reclaim/mis-sold-car-finance/
Remember: While a template letter can be a helpful tool, it's not a substitute for seeking professional advice. If you're unsure about any aspect of complaining about potentially mis-sold car finance, consider talking to a solicitor specialising in financial mis-selling claims.
