Test Forum

Hello all. Mention VT on the phone and suddenly it turns into a sales pitch for another finance deal, a refinance, an extension, anything other than just ending the agreement.

Is there a polite but firm way of saying "no, stop trying to flog me stuff, just process the VT like you are supposed to"?

You're right to be cautious when discussing voluntary termination (VT) with finance companies. When you mention VT, the representative should initiate the formal process to end your agreement. If they start pushing alternative finance deals, politely but firmly ask them to stop and confirm that you're only interested in terminating the agreement.

You can say something like: "I'd like to proceed with the voluntary termination as we discussed. I'm not interested in any alternative deals or refinance options. Can you confirm that you've started the formal termination process?"

Make sure to get confirmation in writing, either via email or post, that they've received your request and are processing the VT. This is crucial, as you'll need proof of the date and time you made the request.

Remember, you have the right to end your agreement and it's their responsibility to process the VT. If they continue to pressure you or try to upsell, consider escalating the issue to their supervisor or complaints department.

As always, it's a good idea to keep a record of all your communications, including dates, times, and details of what was discussed. This will help you if you need to refer back to the conversation or take further action.