Car Finance - Ford Main Dealer - Daughters mistake always read the paperwork, never trust a salesman

Were_Doomed

Supersonos said:

born_again said:

Supersonos said:

Were_Doomed said:

Given the current COVID situation, and the fact that things aren't going to get significantly better any time soon, is the new job in Australia starting in early 2021 still a feasible reality?

What has this got to do with the OP's problem? 

So while it does not help the actual car issue. 

Correct - it has nothing to do with the OP's issue.  If the OP wanted career advice for his daughter, I think the question would be quite different.

Methinks someone doesn't know how forums work. 🙄

jimbo6977

macman said:

I find it less than credible that even the most slippery salesman would try and substitute a 5 year HP contract for a 2 year PCP in the hope that the buyer simply wouldn't notice. More likely, the OP's daughter neither read the contract nor listened to what she was being told.
The whole story does not add up, especially the 'return it at any time' bit.

The salesman will do whatever pays him the most money that month and if that's a new 5 year HP then he will try to get away with it. As the OP well knows, being a former dealer. 

Tiniest of tiny violins for the OP. Regular size but ultimately useless violin for the daughter. Voodoo doll and pins for the dealer. 

MalMonroe

NottinghamKnight said:

What PCP deal offers a return at any time?

Mine does. BUT I would have to pay what's still owing at that particular time. It's zero percent interest to the end of the contract. The only reason I signed on the dotted line.

Not Ford though, it's Toyota.

MalMonroe

OldandBold said:

so, my daughter single and in her 20`s returns to the UK after working in the US as a nanny. Moves 400 miles away from home, up North ..... purchases a Ford Fiesta on PCP ( over 24 MONTHS, with option to return at anytime)  finance from a Ford Main Dealer and starts a new Nanny job in Manchester. All is good for 6 months but the 2 door vehicle is not ideal looking after 2 baby twins....
So back to the dealer to see if she can get a 4 door .... seems simple enough.
I of course have no reason to doubt her but this is how the car "upgrade" panned out..
Salesman - I can put you in a 4 door, same year, same model, same spec for £158.00 per month thats just £8 more a month, everything else will be the same "
Daughter - Great and its still PCP as im off to a new job in Australia early 2021 ?
Salesman - yes everything is the same.
A few days past, she went to the dealership collected the car, signed the paperwork without checking, and carried on as normal.
Covid then arrived so she moved home to London with the car of course. Its MOT was due last week so i looked at all her paperwork. 
It now appears that in the few days of them offering her the "deal" they were unable to approve her finance on PCP again over 24 months as before, they didn't tell her, she signed the paperwork on collecting the new car, the "new" agreement is standard HP over 60 moths, no PCP, no chance of returning the vehicle early, and a whole different ball game  

I have contacted the dealer, they wont talk to me because of Data Protection, even though my daughter has given her permission to discuss it with me. 
I know what many will say on here, shes signed for it and thats it, but i personally feel guilty as at the time I worked for a FORD MAIN DEALER in Essex, and told her she can Trust them, which incidentally is part of their trading name. 

any comments please people go easy on me

It's not just a case of reading the contract properly though. As you say it, it's a deliberate change of contract by the dealer without even telling your daughter at any time. And that is sneaky. They haven't just changed the car but unbeknownst to her, they've changed the method of payment as well as the terms and length of the agreement. 

All your daughter needs to do is to take the original contract and the second contract back to the dealer (or post or email them given the current situation) and tell them to correct the errors or she's going straight to (1) local press (2) national press and (3) court. They really won't want any bad publicity at a time of lockdown. Hopefully.

This is just the worst kind of fraud, that salesman must be feeling really proud.

NottinghamKnight

MalMonroe said:

NottinghamKnight said:

What PCP deal offers a return at any time?

Mine does. BUT I would have to pay what's still owing at that particular time. It's zero percent interest to the end of the contract. The only reason I signed on the dotted line.

Not Ford though, it's Toyota.

Yes, but the implication was this could be done for little or no cost. It's not worth stating that you can hand something back after paying full price and getting nothing back after all.

AdrianC

MalMonroe said:
It's not just a case of reading the contract properly though. As you say it, it's a deliberate change of contract by the dealer without even telling your daughter at any time.

Allegedly.

Dr_Crypto

There’s a few FOS cases on this. Some upheld, some not. 

The FOS accepts that people don’t read contracts and this isn’t fatal to a complaint. In one case the punter signed for an 8k annual mileage when she said she need 12k or something. They upheld her complaint as it was felt that she wouldn’t knowingly have specced 8k given that all her previous motors were 12k PA and she’d got her insurance on 12k. 

macman

The mileage clause might be considered to be relatively 'small print' and something that might reasonably be overlooked. But a change from a 24m PCP to 60m HP would be obvious with a cursory glance. 
She clearly did not even look at the contract but just signed it anyway.

Herzlos

MalMonroe said:

OldandBold said:

so, my daughter single and in her 20`s returns to the UK after working in the US as a nanny. Moves 400 miles away from home, up North ..... purchases a Ford Fiesta on PCP ( over 24 MONTHS, with option to return at anytime)  finance from a Ford Main Dealer and starts a new Nanny job in Manchester. All is good for 6 months but the 2 door vehicle is not ideal looking after 2 baby twins....
So back to the dealer to see if she can get a 4 door .... seems simple enough.
I of course have no reason to doubt her but this is how the car "upgrade" panned out..
Salesman - I can put you in a 4 door, same year, same model, same spec for £158.00 per month thats just £8 more a month, everything else will be the same "
Daughter - Great and its still PCP as im off to a new job in Australia early 2021 ?
Salesman - yes everything is the same.
A few days past, she went to the dealership collected the car, signed the paperwork without checking, and carried on as normal.
Covid then arrived so she moved home to London with the car of course. Its MOT was due last week so i looked at all her paperwork. 
It now appears that in the few days of them offering her the "deal" they were unable to approve her finance on PCP again over 24 months as before, they didn't tell her, she signed the paperwork on collecting the new car, the "new" agreement is standard HP over 60 moths, no PCP, no chance of returning the vehicle early, and a whole different ball game  

I have contacted the dealer, they wont talk to me because of Data Protection, even though my daughter has given her permission to discuss it with me. 
I know what many will say on here, shes signed for it and thats it, but i personally feel guilty as at the time I worked for a FORD MAIN DEALER in Essex, and told her she can Trust them, which incidentally is part of their trading name. 

any comments please people go easy on me

It's not just a case of reading the contract properly though. As you say it, it's a deliberate change of contract by the dealer without even telling your daughter at any time. And that is sneaky. They haven't just changed the car but unbeknownst to her, they've changed the method of payment as well as the terms and length of the agreement. 

All your daughter needs to do is to take the original contract and the second contract back to the dealer (or post or email them given the current situation) and tell them to correct the errors or she's going straight to (1) local press (2) national press and (3) court. They really won't want any bad publicity at a time of lockdown. Hopefully.

This is just the worst kind of fraud, that salesman must be feeling really proud.

All they'd need to do is show her the payments breakdown page on the contract she signed; it's been pretty obvious on any car purchase agreement I've had. She's got no case there beyond good will, or she's got a contract that she can prove is misleading.

Is it reasonable to assume someone can trade a car in for another one, keep the same term and only pay £3/month more for it? I'm not sure. She'd probably lost £1000-2000 on the trade in which would be a couple of years payments.

AdrianC

macman said:

The mileage clause might be considered to be relatively 'small print' and something that might reasonably be overlooked. But a change from a 24m PCP to 60m HP would be obvious with a cursory glance. 
She clearly did not even look at the contract but just signed it anyway.

Or did, but is embroidering the story now she's realised the implications.

Ironically, the implications to her actual situation aren't particularly relevant, because cancellation and return will be very similar to both.