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Old 12.06.2018, 20:09
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How to back out of a car leasing???

Good day everybody, i need some help...


Today I went with my wife to the renault dealership and signed for a renault clio GT 2014 60k miles a 332chf/month 5 year leasing, it has insurance included.



At the moment we were excited, but right know doing the math i think we got scammed. Basically because at the end of the 5 years for us to keep the car we'd have to pay 4000chf more.



We just signed the leasing, they asked us to go tomorrow to sign the bank loan papers at the dealership.



We want to get out of the contract, we did our math and 10000km a year is to little for us. 332chf/month, I think i could buy a car for that price and get myself a cheaper insurance.


So is this possible? I really don't want to pay this for 5 years. I know we didn't do our math well before, but i hope you could help us.



Many thanks.
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Old 12.06.2018, 20:21
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Re: How to back out of a car leasing???

i wouldn't call it a scam but it is indeed a lot of money. basically 20k for a 4 year old Clio

edit:
Quote:
Habe ich beim Leasing ein Widerrufsrecht?
Ja. Sie haben das Recht, innerhalb von sieben Tagen den Vertrag zu widerrufen. Innerhalb dieser 7 Tage müssen Sie die Widerrufserklärung abgeschickt haben. Es ist immer zu empfehlen, solch eine Erklärung per Einschreiben zu versenden.
from https://www.comparis.ch/leasing/info/faq/default
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Old 12.06.2018, 20:24
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Re: How to back out of a car leasing???

Yes, you can. By law there is a 14 days time for consideration (Bedenkfrist) for leasing contracts.
Write the garage an email, tell them you changed your mind. No long email, mention "ich mache Gebrauch von der 14-tägigen Bedenkfrist" thank you very much

And next time, do all your thinking and calculations beforehand
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Old 12.06.2018, 20:53
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Re: How to back out of a car leasing???

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Yes, you can. By law there is a 14 days time for consideration (Bedenkfrist) for leasing contracts.
Write the garage an email, tell them you changed your mind. No long email, mention "ich mache Gebrauch von der 14-tägigen Bedenkfrist" thank you very much

And next time, do all your thinking and calculations beforehand

Ok so i don't go tomorrow to the dealership, and I just send the dealership guy an email with what you said. But what if he calls me ? Or say i can't back down? Is there any specific law, i know you guys quoted but i just want to know the article and name of the law.



Quote:
i wouldn't call it a scam but it is indeed a lot of money. basically 20k for a 4 year old Clio


Yes, it's a Clio grandturismo (The larger one) but still thought afterwards that is a lot of money for a 5 year lease on a used car.
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Old 12.06.2018, 20:55
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Re: How to back out of a car leasing???

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i wouldn't call it a scam but it is indeed a lot of money. basically 20k for a 4 year old Clio

edit:

from https://www.comparis.ch/leasing/info/faq/default
That 20k includes 5 years fully comp insurance though.
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Old 12.06.2018, 20:55
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Re: How to back out of a car leasing???

NOT an email, a registered letter!

Or go there in person and ask them to sign a copy for confirmation
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Old 12.06.2018, 21:01
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Re: How to back out of a car leasing???

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NOT an email, a registered letter!

Or go there in person and ask them to sign a copy for confirmation
As above. Man up.
Maybe they'll offer you a better deal.
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Old 12.06.2018, 21:15
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Re: How to back out of a car leasing???

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That 20k includes 5 years fully comp insurance though.

Yes it includes insurance, but I calculated a premium by AXXA and said I would pay 1000chf anually. That's 84chf/month. Allianz (The insurance company that works with the dealership) is way too expensive.
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Old 12.06.2018, 21:33
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Re: How to back out of a car leasing???

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Ok so i don't go tomorrow to the dealership, and I just send the dealership guy an email with what you said. But what if he calls me ? Or say i can't back down? Is there any specific law, i know you guys quoted but i just want to know the article and name of the law.
Well, it would at least be polite to go in person and - as someone said - man up and tell them you changed your mind. They know about the "14 Tage Rücktrittsrecht". What was the question? "What if he calls me, what if I can't back down?" What are they gonna do, shoot you? Not here. Not yet anyway.

And don't start blaming them it's a scam, because it's not. Remember you went so see them, they didn't chase you down on the street.

The guy went home tonight and told his wife "hey, I sold a car today" and she probably said "ah, that's great, babe". Maybe they sat down, calculating that if he sells two more they could take that holiday they dreamed of for a while now .... just to find out tomorrow that some expat didn't have his nanny with him when buying the car.

Yeah, I guess I am a bit aggressive just now - not sure I will be sorry later on though. But these people are trying to make a living, just like everybody else. So after you wasted their time, at least be polite.
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Old 12.06.2018, 21:39
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Re: How to back out of a car leasing???

If you besides a leasingcontract also have signed a contract to purchase the car, than do read all fine print very properly before backing out and find yourself suddenly with a bill of thousands and still no car.
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Old 12.06.2018, 21:41
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Re: How to back out of a car leasing???

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i wouldn't call it a scam but it is indeed a lot of money. basically 20k for a 4 year old Clio

edit:

from https://www.comparis.ch/leasing/info/faq/default
Not your fault, but this text is old, it was 7 days but a big 2 years ago they changed it to 14 days.
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Old 12.06.2018, 21:47
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Re: How to back out of a car leasing???

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If you besides a leasingcontract also have signed a contract to purchase the car, than do read all fine print very properly before backing out and find yourself suddenly with a bill of thousands and still no car.
Not valid by law within the 14 days.
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Old 12.06.2018, 22:05
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Re: How to back out of a car leasing???

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That 20k includes 5 years fully comp insurance though.
that's basically 15k for a 4 year old Clio (it's still way too much)
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Old 12.06.2018, 22:05
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Re: How to back out of a car leasing???

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Well, it would at least be polite to go in person and - as someone said - man up and tell them you changed your mind. They know about the "14 Tage Rücktrittsrecht". What was the question? "What if he calls me, what if I can't back down?" What are they gonna do, shoot you? Not here. Not yet anyway.

And don't start blaming them it's a scam, because it's not. Remember you went so see them, they didn't chase you down on the street.

The guy went home tonight and told his wife "hey, I sold a car today" and she probably said "ah, that's great, babe". Maybe they sat down, calculating that if he sells two more they could take that holiday they dreamed of for a while now .... just to find out tomorrow that some expat didn't have his nanny with him when buying the car.

Yeah, I guess I am a bit aggressive just now - not sure I will be sorry later on though. But these people are trying to make a living, just like everybody else. So after you wasted their time, at least be polite.
I'm sorry Curley, but I think you've misinterpreted me. I don't think it's a scam, also I don't have a problem going to the dealership to cancel the contract. They treated me very nice at the dealership. I will surely buy one car from them, that is why I want to cancel my lease.

I thank you for your help in this forum.
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Old 12.06.2018, 22:20
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Re: How to back out of a car leasing???

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Not valid by law within the 14 days.
Read this:
Quote:
Schnell mal einen Kaufvertrag untergejubelt

Das dreiste Vorgehen des Verkäufers erstaunt den Berner Fürsprecher Konrad Rothenbühler nicht. «Ich sehe immer wieder, wie Garagen versuchen, die vom Gesetzgeber zwingend vorgesehene Bedenkpause beim Leasen mit allerlei fragwürdigen Formulierungen in den Bestellformularen zu umgehen. So drängen sie Leasingnehmer dazu, Verträge abzuschliessen, obwohl diese später zu Hause bemerkt haben, dass es eben finanziell nicht drinliegt.»
Rothenbühler muss es wissen. Schon vor Jahren vertrat der Leasingexperte einen Klienten, der ein Auto nur leasen wollte, dem die Garage aber neben dem Leasingantrag einen Kaufvertrag zur Unterzeichnung untergejubelt hatte. Als der Klient den Leasingvertrag nicht unterzeichnen wollte, verlangte die Garage, gestützt auf den unterschriebenen Kaufvertrag, 8000 Franken Schadenersatz – und bekam bis vor Bundesgericht recht.
https://www.beobachter.ch/konsum/kau...ag#autoleasing

I am just saying that he needs to know what he all signed before just cancelling because we at a forum said he has 14 days to cancel the lease contract, I do not know what exactly he all signed.

As for the non German readers:

Customer signed a buying contract belonging to the full purchase/lease construction and when he would not sign the lease contract garage said they wanted 8.000,- as damage refund which court granted them.
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Old 12.06.2018, 22:46
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Re: How to back out of a car leasing???

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Read this:

https://www.beobachter.ch/konsum/kau...ag#autoleasing

I am just saying that he needs to know what he all signed before just cancelling because we at a forum said he has 14 days to cancel the lease contract, I do not know what exactly he all signed.

As for the non German readers:

Customer signed a buying contract belonging to the full purchase/lease construction and when he would not sign the lease contract garage said they wanted 8.000,- as damage refund which court granted them.
You are mixing things up big time.
This customer signed not only a leasing-contract but also a purchase contract (without noticing it - how weird is that ).
So you are picking out a scam, mentioned at the side, from an article that is about leasing and changing one's mind and clearly says that the 14 days-law is "zwingend" (imperative). <<vom Gesetzgeber zwingend vorgesehene Bedenkpause beim Leasen>>

Signing a purchase contract (as in the scam side-note in the Beobachter-article) is a different thing. And let's face it, there has got to be a moment when the seller needs to be sure he actually sold something! So yes, that one was ruled correctly by the Bundesgericht, I'd say. (as stupidity is not protected ).

However, I guess OP has the necessary information, so I'm leaving the speculation-contest and look forward to his feed-back tomorrow night.
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Old 12.06.2018, 22:50
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Re: How to back out of a car leasing???

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You are mixing things up big time.
This customer signed not only a leasing-contract but also a purchase contract (without noticing it - how weird is that ).
So you are picking out a scam, mentioned at the side, from an article that is about leasing and changing one's mind and clearly says that the 14 days-law is "zwingend" (imperative). <<vom Gesetzgeber zwingend vorgesehene Bedenkpause beim Leasen>>

Signing a purchase contract (as in the scam side-note in the Beobachter-article) is a different thing. And let's face it, there has got to be a moment when the seller needs to be sure he actually sold something! So yes, that one was ruled correctly by the Bundesgericht, I'd say. (as stupidity is not protected ).

However, I guess OP has the necessary information, so I'm leaving the speculation-contest and look forward to his feed-back tomorrow night.
I am nowhere saying the 14 days is not valid for cancelling a lease, also I am not saying that OP signed anything else. I am just saying that I do not know what he all might have signed and that he should be aware of what he all signed before cancelling to avoid unwanted surprises.

How on earth can you disagree with such?
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Old 13.06.2018, 08:51
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Re: How to back out of a car leasing???

Not a scam, but shocked at how much you're paying for a 2014 Clio...both in terms of monthly cost and the total cost over the lease.

With a 5k deposit and 350/month lease over 3-4 years you can get anything within the 20-25k price range...and there's far better non-French options to go for which will also give you decent 'leave' options if you wanted to terminate early...

For example I recently terminated a lease 1.5 year early and as the car was 3-4 years old when I leased it, the remaining depreciation curve was extremely shallow. Infact I actually found myself with a car valuation which was 4k over the outstanding lease amount as it was still something people would want to buy despite it being a 2011 model car...
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Old 13.06.2018, 09:42
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Re: How to back out of a car leasing???

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...At the moment we were excited, but right know doing the math i think we got scammed..
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And don't start blaming them it's a scam
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I'm sorry Curley, but I think you've misinterpreted me. I don't think it's a scam, ...
So what did you mean in you first post?
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Old 13.06.2018, 09:53
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Re: How to back out of a car leasing???

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That 20k includes 5 years fully comp insurance though.
Ah that makes more sense! So I guess the true cost is more like 15-16k given annual insurance is probably 700-1000 Fr/year

I still think it feels like quite a lot of money for the car, though I guess GranTurismo model is not so small.
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