Car issues with finance

Markjen79

May I add that I continued to pay them money for a further year to still battle with them and the engine company for around a year

Markjen79

Yes I told them to collect the car

Markjen79

Herzlos wrote: »

So you got it fixed and then returned it?

With a year warranty on the engine

Herzlos

Right. You took a loan out on the car, returned it after a year, they auctioned it off to clear £3500 of the balance and are still looking to you to pay off the short fall?

atrixblue.-MFR-.

Sounds like OP voluntary handed the car back rather than reject the car under SOGA, as the OP can prove they inherited a fault with documents to prove the EGR was faulty it wasn't replaced with a new one and subsequently the EGR threw the spindle pin into the engine.


Op I think this is a complicated one for you that will require a solicitor, and possibly a day in court for a judge to decide whether you rejected it although without stating it through SOGA and left at at the finance companies door to resolve, or voluntary handed the car back.
gain all the documents you need book a free case assessment with a solicitor and go form there is the best course of action.

motorguy

Markjen79 wrote: »

With a year warranty on the engine

If you handed the car back fully working, then i'm not sure why you're telling us it had a faulty engine?

If you handed the car back to the finance company they are perfectly within their rights to expect you to make up the shortfall between what you owe them and what they got for the car at auction.

I'm not sure what you're seeing as the problem here and why you're relating it to an engine failure that you had fixed?

bigjl

I think the OP means that he paid for it to be fixed but the repair was substandard.

The posts don't make much sense though.

Perhaps some decaff would help a little

sheramber

I got a car on finance which after 12months and two weeks the engine blown , I was advised buy the finance company it was my issue to fix would this be correct

Do you think the finance company should have paid for the fix?

forgotmyname

The car was £8000, You paid £4500 i assume that includes the engine cost?

But you only made 14 payments of 36 or 60?

So your £8000 car + interest - £3500 - 1 years payments = ?

Markjen79

Hello again I will break it down for you all!!
2012 finance agreement in place of £13,500 for the £7999 car.
2013 car broke two weeks after 12months of a three year finance deal.

I was told I had to repair the car at my cost !!!

Still paying the monthly payments that in all totalled £8000

2014 I ended a battle with an engine company and surrendered the car back to the finance company with a fixed engine and years warranty. With me having already paid £8000
2015 a year later they sold the car for £3500 and are chasing me for £3500 payment