URGENT please help, husband left me & I want to cancel car contract

newincognito

I am a regular user of this forum so apologies for coming in as a new user.

I am really in trouble. I went to view a car last week at Fords of Windsor and paid a £250 deposit on a used car and I am due to collect and pay the rest of the deposit on Sunday. We need a bigger car due to having 2 children. I live in Hertfordshire so really quite far away but I had heard good reviews about them. Anyway, my husband the day after i paid the deposit on the car that he no longer loves me and has felt like this for months but has only just plucked up the courage to tell me. We have 2 children one 4 and one 6. He walked out this morning and said he needs time but is seriously thinking about moving abroad as he really needs to make a fresh start.

My worry is now that I won't be able to afford the car, I financed the car on HP for 60 months because that is all we could afford, now I don't know what to do. I really don't know whether i am coming or going right now and am sat here in floods of tears as I feel like my whole world has come crashing down. I don't want to enter into this finance agreement if my husband is not there as I would not be able to afford it. I am not sure if my husband is going to support the children anymore so i know i can't afford the car now.

Can I call them and cancel or am I tied in for the 60 months?

I haven't sent any of the forms off, arranged tax or insurance as I just didn't know what to do.

Please help

purple45

Ask to speak to the Manager, tell him this...if he is a human being surely he will let you off the hook! I know that technically you are tied in to an agreement but I don't know how anyone could hear that and hold you to it!
I'm really sorry that you're having to deal with all of this and hope that you're okay.

purple45

Just thought, does the paperwork you have already signed give you a cooling off period to cancel?

atrixblue.-MFR-.

firstly you husbands a TOOL for feeling like that and then allowing you to continue with a purchase you could barely afford between you then leaving the day after youve setup everything. did he not think that if he walked away after that youd impact you situation and his kids security.

secondly, theres a 14 day cooling off period with some finance agreements, if youve signed dotted lines and crossed all the T then you can use you curcumstances to justify the cancellation, as for the deposit kiss good buy its gone. your going to have to contact the person dealing with your purchase, and explain.

newincognito

Thank you, my brain is all frazzled and having 2 children constantly asking where daddy is, I am just about holding it together. At the same time I don't want to put the 3 of us into something which could be detrimental. I have no idea what he was thinking, obviously he wasn't thinking. We have had a rough couple of years financially and emotionally and I think having the children in these circumstances just was too much for him, he has lost all of his confidence as he is working in a sector that he can't use his skills but had to take anything going. So no i don't think he was thinking at all.

At the end of the day I still need a car but I don't want to be tied into something for so long when I don't know what my husband is doing. I was thinking there may be a cooling off period but I have read the paperwork and there is nothing there stating that there is one. THe finance was done through black horse, does that make a difference?

purple45

Sorry I don't know anything about finance deals, I've never bought a car from a garage, mine have all been £500 or less private sales. I'm the last owner before the scrap yard kind of driver! I hope someone else is able to advise you on that. If not, you'll just have to go and speak to someone at the garage. If you end up losing the £250 then its better than being tied in to something unaffordable for a couple of years that could leave you struggling. If you don't feel you're getting a reasonable response from them then I'm sure there are other ways of persuing it.
I am sure that the paperwork should have something about a cooling off period, have you read the tiny tiny small print? If you haven't got it, ask the garage about it...should they have provided you with that at the time? Also where does the £250 deposit stand as regards a cooling off period.
At the end of the day, there will always be someone you can make a complaint to if you don't get anywhere.
You sound like you're holding it together, hang on in there!

newincognito

Thank you

i wanted to get a car like yours but he said that he wanted a safer car for the children otherwise i would have bought a runaround. I am fuming now.

I don't mind losing the £250 like you say, better than 5 years of payments i can't afford.

I will ring them up first thing in the morning and explain i just hope they let me out of the agreement

poppasmurf_bewdley

As has been said previously, you must talk to the Manager of the Car Sales Company and tell him the whole truth, and I would think they will cancel the sale.

If they don't, then you need to talk to Black Horse Finance asap, tell them the story and inform them that you will be unable to pay the rest of the deposit or make even the first payment. They would not wish to proceed under those circumstances, I am certain.

newincognito

Thank you i'll do that first thing in the morning. I just hope they are kind

Road_Hog

newincognito wrote: »

I haven't sent any of the forms off, arranged tax or insurance as I just didn't know what to do.

Please help

As others have said, finance should have a cooling off period. Bit I'm a bit confused as to whether you signed the finance forms and given them back or just agreed the deal and you were going to sign them and run them when you picked up the car.

If the latter then you've not entered into any contract and have made no commitment. It is likely that you will forfeit your deposit to cover the time involved in arranging the deal and the car, plus they've probably given it a check over and valeted in anticipation of you picking up the car.

sarahg1969

Fords of Winsford do have a good reputation, so hopefully they will be understanding. Even if you have to lose your deposit, that would be a good result. Good luck.