I took out a PCH Care by Volvo XC40 in March 2024 for a 4 year lease. There were issues right from the start acquiring the vehicle, but they are almost insignificant compared to the events of the last few months. Much like another customers comments I have read here, a few weeks into the contract they offered me £100 to switch my contract to another finance provider. I declined as I had no confidence Volvo would even pay this compensation as I'd already been treated dishonestly by them. Fast forward to summer 2025, when I received a letter, informing me that they were writing a new clause into my contract, saying that only 3 months notice was needed to be given by them to me, to terminate my contract, this would take effect from Jan 2026. I telephoned them and asked what would happen to the considerable initial payment I had placed down for this vehicle, as I would need that to replace the vehicle with another company, their reply was, we haven't really thought about that yet. I was then reassured that I wasn't to worry as they didn't intend to take the vehicle back before my term ended in 2028.. Again, forward to Feb 2026 where again another letter is issued to me, that tells me they are in fact doing the thing they told me not to worry about, and terminating my contract with effect from May 2026. I was then in a panic and set about finding a replacement vehicle and again asked Volvo what would I be getting back from my initial payment, as realistically I should be getting half of this amount returned as they had cut the contract short, they confirmed this would be the case. We were able to source a new vehicle relatively quickly and therefore requested Volvo collect the car on the 23rd March. A driver came to inspect the vehicle and commented on how immaculate and clean and well looked after the vehicle was, but explained that the tyres we had on the front of the vehicle that we had only replaced 2 months ago, believing the vehicle would be ours for another 2 years were not a recommended brand and Volvo would be charging me an additional £480 for these. These were Uniroyal tyres retailing at £200 each and actually made by continental which are the tyres they specified. This was a decision I took believing the car would be mine for another 2 years. In a conversation with Volvo re this charge, their manner was rude and dismissive and they had no compassion whatsoever for the hardship they have caused me, going on to confirm that in fact I will not get any part of my initial payment back and I would have to give them another £480 which they will collect from my bank account. All my emails to them are now being ignored, while they still send me confusing emails that I need clarification on. As previously mentioned here these seem to be automatically generated around 9pm at night, with the latest one I received, congratulating me on my new vehicle I'm about to receive and requesting I make the initial payment before hand over to me. It's quite unbelievable!!!Quite simply, I believe they have broken the law in deciding to break the contract, and in effect steal my money. I have now contacted the FCA and trading standards to get their advice. I still cant quite believe this has happened, and I've lost so much of my money, that was given over in good faith for a vehicle that they just decided they wanted returned to them.
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