Secondhand car credit card rights

Nattay

Hi all, new to forum.

I bought a second hand car from a small garage in July 2016 on a credit card. It was sold as one previous owner with full service history with 6months RAC warranty. A month later the fuel filter broke and this was not covered by the warranty so I had to pay for it to be fixed. In December the DPF needed to be repaired, again not covered by the warranty. Two days later after the DPF filter was fixed the turbo and injectors had broke. These cost over £1300 to be repaired however not guaranteed to last. So now I am left with a car I cannot use and I am still paying for. When I looked at the V5C it also says it had two previous owners when the garage said one.

Do I have any rights paying for the car on credit car with it breaking down so many times and now not being able to drive? I feel like I've been sold a dodgy car and now in debt.

Any help and advice would be much appreciated 😊
May

forgotmyname

It had one previous owner before you bought it. Now its had 2 previous owners and your the 3rd.

How did the fuel filter break?

Same with the turbo and injectors, very odd for them to break at the same time. Exactly how did they break?

In what way did the DPF need to be repaired?

Sold a dodgy car and now in debt, your decision to buy a car with credit, the garage didnt force you. Without knowing what car, year, model and price paid then the repairs may all be standard wear and tear.

walwyn1978

As already said,'one previous owner' = two owners, the last one and one previous one.

If you want a car only owned by one person before you you have to look for 'only one owner' which is close in phrasing but not in meaning to 'one previous owner'.

Very common phrasing in the car industry and as such seen as standard, on that side of things you have no case.

Echo forgotmynanes question re: price, model, age etc

gilbert_and_sullivan

Fuel filters don't break unless you hit them, they can block up if left long enough or you try running on Mazola or some other muck instead of standard Derv.

DPF's usually block if the car is being used for the wrong sort of journeys, this is now so well known and so much info on the internet available that no one other than a hermit should be unaware that modern Diesels are unsuitable for short journey stop start driving.

Injectors don't suddenly break, but they might well suffer problems if someone tries running on Mazola instead of Derv.

The turbo can fail if the car is neglected, ie leaving oil changes too long or allowing the engine to run low on oil, possibility of early failure will be exacerbated without care for the turbo by driving it hard when cold and then turning the engine off immediately when the engine has been working hard, with a bit of mechanical sympathy and common sense servicing they will last the life of the engine.
They can also fail if any foreign object enters the air intake, such as inlet manifold swirl flaps which can come loose, famously just another cause of not only turbo failure but complete engine destruction on BMW Diesels.

Nattay

Hi all thanks for your replies. It's a 59 plate Citroen grand c4 Picasso.

To be honest the number of owners doesn't bother me. It's just the car seems to be falling apart and costing a lot of money for something that has full service history.

I'm not very good with cars however the fuel filter was replaced and the DPF filter was replaced (the engine warning light came on for both). I also understand about the DPF. The garage that I bought it from did servicing but no repairs and gave us 6 months RAC warranty for the car (which isn't worth the paper it's written on as nothing is covered and only certain garages were AA registered to fix the car). Literally two days later after the DPF filter was replaced, the car started smoking and juddering, the engine being loud. We took it to a garage we know we can trust who advised us the turbo and injectors needed replacing - however they won't fix it because it could just break again.

Just would like to know what rights I have buying the car on a credit card? I know you take a risk buying a second hand car. I watched a programme a while ago where a man
Bought a car on credit card and the engine went and he got his money back(however I can't remember what rights he had). As soon as the warranty finished this happened. I have two babies, I am on maternity leave, paying for a car that I thought would be safe and drivable and three times within 6 months it had broken.

Something just isn't ringing right.

loskie

do you have legal cover with your car or house insurance? If so ask them. Also worth speaking to your CC co who are jointly liable with the garage. It was and may still be termed as a section 75 claim IIRC.

Mercdriver

Have you gone back to the garage and asked them what they will do? Before you attempt to invoke Section 75 of the Consumer Credit Act, you're supposed to try and get it resolved first.

Too many people try to take short cuts. It's like writing to the CEO o f a company before complaining to customer services.

Nattay

I did with the fuel filter but they said about the RAC warranty and they don't deal with it. I will write to them.

shaun_from_Africa

Mercdriver wrote: »

Have you gone back to the garage and asked them what they will do? Before you attempt to invoke Section 75 of the Consumer Credit Act, you're supposed to try and get it resolved first.

Too many people try to take short cuts. It's like writing to the CEO o f a company before complaining to customer services.

That's incorrect.
As S75 makes the credit supplier jointly and equally liable along with the supplier of the goods, there is no requirement to attempt to get the retailer to resolve the problem before starting a S75 claim.
As the CC company has exactly the same obligations as the retailer you can go straight to them without even bothering to inform the retailer of a problem.

I'm not saying that this is the sensible way to go, simply that this is an option should someone decide to do it this way.

gilbert_and_sullivan

C4 GP presumably fitted with the PSA 1.6 Diesel.

There is more reading about this engine on the net than you could take in if you read solidly from now till Christmas, much of it not good, there are many makes fitted with this engine and none escape problems though obviously most engines will not be affected.

I don't blame the garage not wanting to get involved re turbo replacement, they've probably had their fingers burned before.
The only way to own one of these engines and hedge your bets for a long trouble free life is to service the things as oftyen as you can afford.

some reading for you
http://www.assuredperformance.ie/
bottom left of home page, item re carbon build up in PSA engine

its pic heavy PDF file so best viewed on a PC, note especially the list of things that must be done at the end of the article.

I have no answers for you re-redress from the selling dealer, hopefully someone else will.

Personally i wouldn't give anyone a bean for a used car fitted with this engine, but that's of no help to you now, sorry.

facade

When you get it sorted- get rid immediately.

Once these engines have had a turbo fail, they eat turbos like elephants eat sticky buns. Ihe original problem is caused by not servicing often enough with the correct grade of oil. Once one has failed, no amount of flushing the oilways & replacing feed pipes will stop the next one going in short order.Sad to say, but quite likely why it was for sale, most reputable traders wont touch these for fear of a turbo failure inside the traders warranty, which will eat most of the profit margin.