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I've been told by 5 garages that specialist tools are required to remove and split the engine why would they turn away business. The car has done only 77000 miles and a timing chain should last 150000 miles so it has only lasted 50% of the time it should, you are correct about the age of the car.
The fact it hasnt lasted a reasonable length of time on its own isn't enough. The reason why it has failed is the first step.
For example if it has failed prematurely due to lack of maintenance or because the wrong type of oil was used, then the SoGA wouldnt cover that as that would be down to user error.
You keep using that word. I do not think it means what you think it means - Inigo Montoya, The Princess Bride
Thanks for the informative reply re your first point does that mean that the sale of goods act only covers new items and the six years starts from the point of the item being new no matter who purchased it.
Thanks
Mike
No, the 6 years starts from your purchase, but the fact it's second hand influences the reasonable period it is expected to last.
The fault also has to be inherent, and that's usually highly difficult to prove with cars.
I predict that if you try to claim against your credit card company they will reject it and you'll have a difficult fight on your hands which may well never succeed, but the only way to be certain is to try it.