Free Traffic Legal Advice

Can you post up the terms and conditions of the lease please?

I see references to clause 10, 11 and 12, so I'd expect to see terms 1 through 12?

Aside from your personal details (name, address, bank details etc) we need to see the whole thing please. It should be a standard document as all customers of the lease company will be issued with the same T&Cs, so there should be no issue in posting the whole thing on here.

Well there is a contractual requirement to pay by direct debit, so cancelling it is not an option as that would put you in breach.

That being the case the obvious first step is to raise a formal complaint. If they prove obtuse and insist on charging you the £65, your ultimate recourse is to take them to the county court (in the small claims track) to get the money back, the obvious argument being that they're in breach of the Consumer Rights Act 2015 because their terms purport to deprive you of the right to take a case to the tribunal and such a term is unfair and thus invalid under the Act.

I'm happy to help every step of the way but you have to decide now if you're up for the fight, there's not much point in sending a couple of letters and giving up when they refuse to back down.