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Engine Failure on PCP
29 replies 1.5K views
My bf's car is 3 years into a PCP contract and has now sustained extensive damage to the engine which is going to cost upwards of £4k. The car has only done 30k miles on the clock, 5 years old, only used to travel to work in the area every day when it has all of a sudden broken down due to something with the engine, we have been told this is a common thing with this car type. It has been to 3 garages who have said it is not worth being repaired as it is going to be so expensive. The car is no longer under any warranty, Honda have said they will contribute 1k to repair costs as a gesture of goodwill but that is it. Insurance will not cover this type of damage. We have been advised to not drive the car as it is not safe to do so as at some point the engine will completely fail. Can anyone please help with what options are available to us, we can't afford a repair over £3k for a PCP car
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What is the model? what is the exact fault? Have you followed all servicing requirements etc?
You do have your statutory consumer rights, under the Consumer Rights Act (2015) but you would need to prove that any fault was present when you took delivery of the car. The other complication is that it's a PCP so your bf will need to work with the finance provider to get any sort of remedy.
You either scrap the car, pay off the remaining finance owed and get another car, or pay to have the car fixed and continue with the payments as outlined in your finance agreement.
If the car has been regularly serviced as per the manufacturers advice, you could look to raise a complaint with Honda that such damage is not acceptable on a well maintained car given it's age and mileage, but that will depend on exactly what the fault is and what led to it developing this fault. For example it took a while, but Audi finally admitted a manufacturing fault with their 2.0TFSI engines leading to excessive oil consumption and damage to the engine cylinders. As such, anyone with the issue had the repair done for free. It took a lot of examples and shouting before they accepted liability though...
I am however surprised a Honda has failed, assuming it has been serviced regularly. What is the problem?
Boyfriend is liable for paying the PCP payments and paying off the debt if the car can't be repaired.
Other option is to have a 'bodge' fix and hand the car back once 50% of the PCP payments have been made.
Not sure how a "bodge fix" followed by a VT is going to help. Voluntary termination doesn't take away the legal responsibility of handing the car back in a reasonable condition.