Car Dealer went into Bankruptcy

debt_doctor

fraggle45 wrote: »

If you paid any amount on credit card then you should be covered by section 75 of the consumer credit act. The financial ombudsman website has lots of details about this including purchasing a car on finance. You will however need to prove that the car isn't fit for purpose/had faults that weren't disclosed to you at the time of purchase.

Although not quite the same I had a Dell laptop break one month out of warranty obviously Dell wanted nothing to do with it so I used section 75. My credit card company didn't want to play ball at all so keep persisting. I provided evidence that the laptop was broke (from a computer repair shop) and I made the claim that it goods should be of reasonable quality to last a reasonable time which my laptop did not. Got there in the end and the full £1500 back. Mentioning taking it to the financial ombudsman spurred them on a bit in the end because they would have had to foot the bill of a financial ombudsman report.

Well done! - the credit card company is joint and severally liable for the contract along with the goods supplier providing the goods cost between £100 - £30 000.
Also it seems there is a separate finance contract - and if that company was introduced by the seller of the goods then the same responsibilities apply to the credit agreement provider as well.
DD

chanz4

the ops claim is against the finance company, as its them whom buy the car from the dealer. Hence title does not pass until paid for in full