Car finance change

DrEskimo

Did you put down a deposit?

Grumpy_chap

The Dealer will not be keen to charge you less, but your request is not unreasonable.  The £1k less over 3 years is in the region of 1 free payment month each year.  What do the Ts&Cs say on the agreement you signed about cancellation?  

Diazsprite

DrEskimo said:

Did you put down a deposit?

yes I did, £1000 to order the car, but this should not change as I still want to take the finance with him but in different terms

Diazsprite

Grumpy_chap said:

The Dealer will not be keen to charge you less, but your request is not unreasonable.  The £1k less over 3 years is in the region of 1 free payment month each year.  What do the Ts&Cs say on the agreement you signed about cancellation?  

this is what is in T&C as a distance selling, seems that talks more about cancelling the car order or receiving the car, not regarding the finance. I will add what is written on the car order form which has details about finance. So this distance selling applies to the car itself + the finance?
################################################################################

24. Distance Selling

24.1. If, and only if, the Customer has acted as a Consumer, where this Agreement has been completed away from our business premises and/or without any face to face contact

between us and you; or anyone acting on your or our respective behalf, you may give notice to cancel this Agreement within 14 days without giving any reason.

24.2. This cancellation period will expire 14 days after the day on which you, or a third party on your behalf, takes delivery or otherwise acquires physical possession of the Goods. To

exercise this right to cancel, you must inform us of your decision to cancel this Agreement in writing by clear statement (e.g. a letter sent by post, fax or email) to our address as set

out overleaf. You may use the attached model cancellation form if you wish.

24.3. To meet the cancellation deadline, it is sufficient for you to send your communication confirming your exercise of the right to cancel before the cancellation period has expired.

24.4. If you cancel this Agreement, we will reimburse to you all payments received from you under this Agreement, without undue delay, and not later than:-

24.4.1. 14 days after the day on which we receive the Goods back; or

24.4.2 (if earlier) 14 days after the day you provide evidence that you have returned the Goods; or

24.4.3 if there were no Goods supplied, 14 days after the day on which we are informed about your decision to cancel this Agreement.

24.5 We will make the reimbursement using the same means of payment as you have used for the initial transaction, unless you have expressly agreed otherwise, but in any event you

will not incur any fees as a result of the reimbursement.

24.6. We may withhold reimbursement until we have received the Goods back or you have sent evidence of having sent back the Goods to us, whichever is the earliest. You should

send back the Goods or deliver them back to us at the address shown overleaf, without undue delay and in any event not later than 14 days after the day on which you communicate

your cancellation of this Agreement to us.

24.7. This deadline is met if you send back the Goods before the period of 14 days has expired. We will require that you bear the cost of returning the Goods to us.

24.8. You must take reasonable care of the Goods whilst they are in your possession. You will be responsible for any loss or damage from when they are delivered to you until when

they are returned to us.

24.9. You are liable for any diminished value of the Goods resulting from the handling other than what is necessary to establish the nature, characteristics and functioning of the

Goods.
#################################################################################################