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stumac
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I know LOL I was abit slow thereI think that @Yves Geza meant was that was the easiest way to get your refund!
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Opinions or advice needed on nightmare car purchase experience
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ChrisHeathcote
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As Yves Geza pointed out, this should be straight forward. Firstly the goods aren't as described, secondly not fit for purpose (finance companies hate hearing the phrase"goods not of merchantable quality")
In my experience working as a Business Manager, Sales Manager etc for many years, with regards to the finance unless it is a personal loan, it will be connected to the car. Contact them and explain the scenario as they have a vested interest in fixing the issue. They will more likely side with the dealer and threaten to debit the funds, because they will have agreed the value based on vehicle description.
In my experience working as a Business Manager, Sales Manager etc for many years, with regards to the finance unless it is a personal loan, it will be connected to the car. Contact them and explain the scenario as they have a vested interest in fixing the issue. They will more likely side with the dealer and threaten to debit the funds, because they will have agreed the value based on vehicle description.
cosmicma
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as others have said ( many times ) reject the vehicle i had to do this a couple of years ago and for less than the problems you describe
the fact it's not as described would be enough but with the problems you are having you have more than enough to reject it
i don't know about the finance side of the deal but i can't see the finance company interfering with the rejection the only opposition i can see will be from the dealership but legally i don't think they have a leg to stand on
good luck with it all
i have a 163hp S max or should i say the wife does and it's a nice vehicle but then again it's brand new we only picked it up a couple of weeks ago
the fact it's not as described would be enough but with the problems you are having you have more than enough to reject it
i don't know about the finance side of the deal but i can't see the finance company interfering with the rejection the only opposition i can see will be from the dealership but legally i don't think they have a leg to stand on
good luck with it all
i have a 163hp S max or should i say the wife does and it's a nice vehicle but then again it's brand new we only picked it up a couple of weeks ago
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Only just seen this, but I've been having a chat with my husband about it - he works for a major UK finance company in the department that actually deals with car finance.
His advice was to contact the finance company and inform them that you're rejecting the car.
Lay out all the information as you've done here and demonstrate that you've given the dealer every opportunity to put things right.
In his company (and I'd guess it's the same with most other large companies) they have a specific department that deals with issues like this.
The likely outcome is that they'll take a very dim view of the dealer's behaviour and intervene to instruct them to either cancel the finance agreement, accept the car back and refund any monies paid or replace the car with a suitable alternative of the same or greater value.
They don't want to be stuck in a position where they have a loan secured on a vehicle that's worth less than what was borrowed against it either!
In the event of a refund, if you do seek finance elsewhere for another car this should have NO effect at all on your credit rating.
The finance company should put a notice of cancellation on your account against that finance application which will effectively wipe it out.
Hopefully, now that you've phoned them it's all worked out as simple as that sounds.
Let us know how you got on.
His advice was to contact the finance company and inform them that you're rejecting the car.
Lay out all the information as you've done here and demonstrate that you've given the dealer every opportunity to put things right.
In his company (and I'd guess it's the same with most other large companies) they have a specific department that deals with issues like this.
The likely outcome is that they'll take a very dim view of the dealer's behaviour and intervene to instruct them to either cancel the finance agreement, accept the car back and refund any monies paid or replace the car with a suitable alternative of the same or greater value.
They don't want to be stuck in a position where they have a loan secured on a vehicle that's worth less than what was borrowed against it either!
In the event of a refund, if you do seek finance elsewhere for another car this should have NO effect at all on your credit rating.
The finance company should put a notice of cancellation on your account against that finance application which will effectively wipe it out.
Hopefully, now that you've phoned them it's all worked out as simple as that sounds.
Let us know how you got on.
ecoleman
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As you have taken the car on finance, this makes the finance company as much responsible as the car dealer.
If you have no luck with the dealer, the you can request a refund from the finance company under section 75 of the consumer credit act.
shapeshifter
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It sounds like a right lemon.If it has problems going into reverse and first gear that is likly to be damaged syncro rings not the clutch.So it's a new gearbox or expensive repair by a gearbox specialist.A car that won't start and then starts 1 hour later has a realay bad intermittant fault that could be very difficult to find.Just tell them you don't want it as it was not as descriibed.I really would not go down the route of repairs in any shape or form.
Overexposed
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There's two issues here - firstly the finance has been invoiced with the wrong vehicle and secondly the damn thing isn't going.
Don't hesitate to reject the car immediately.You bought a 163 and have been supplied with a 140 and tell the finance company whats going on. The finance company actually own the vehicle, they also have a responsibility to you under the CCA and I think you'll find that once they are aware of what's happened the dealer will be a little more cooperative.
Incidentally you also need to find out what's happened to the breakdown cover that you've bought, there's no way that the cover doesn't kick in for 30 days - hopefully you will be with in the 14 days cooling off period so you can cancel it.
Ps if you buy it separately on line it'll be way cheaper than what the dealer supplied you with.
Don't hesitate to reject the car immediately.You bought a 163 and have been supplied with a 140 and tell the finance company whats going on. The finance company actually own the vehicle, they also have a responsibility to you under the CCA and I think you'll find that once they are aware of what's happened the dealer will be a little more cooperative.
Incidentally you also need to find out what's happened to the breakdown cover that you've bought, there's no way that the cover doesn't kick in for 30 days - hopefully you will be with in the 14 days cooling off period so you can cancel it.
Ps if you buy it separately on line it'll be way cheaper than what the dealer supplied you with.