Financed car, issues once again. 14 January at 2:49PM in Motoring 56 replies 2.6K views

Mikej92

Grumpy_chap said:

You may have grounds to pursue a claim against the finance company under S75 as well as direct against the dealer.  Was it finance linked to the car or unconnected bank loan?

Hi, it was a HP agreement against the car .

Grumpy_chap

What type of Dealer was it?
I assume not a main dealer or one of the national "car supermarket" sites.  Was it a backstreet dealer?

MalMonroe

Hi, this is what Which says about buying a faulty car on finance -  

https://www.which.co.uk/consumer-rights/advice/how-to-complain-about-a-car-dealer-atBv04B9OXas

The dealer can't just sell you a load of junk and then wash their hands of it, no matter what they say and no matter whether the car is brand new or 10 years old. It has to be fit for purpose and as described, by law. 

More info here -

https://www.moneyhelper.org.uk/en/everyday-money/buying-and-running-a-car/your-rights-if-something-is-wrong-with-your-car

You can also find details of motors online before you actually buy them. More info from Citizens Advice in the following link -

https://www.citizensadvice.org.uk/consumer/buying-or-repairing-a-car/buying-a-used-car/

You can also contact Citizens Advice to ask them what you need to do, if you can't get any help elsewhere.

PS Are there any dealers near you where you can physically go and have a look at a car and perhaps give it a test drive? I hate to say it but distance buying just doesn't seem to be working out very well for you. 

Also, if there is anyone not to have faith in, it's a used car dealer. Sad but true. You have to ensure that you double check all the facts and figures yourself.   

Mikej92

Grumpy_chap said:

What type of Dealer was it?
I assume not a main dealer or one of the national "car supermarket" sites.  Was it a backstreet dealer?

“Backstreet dealer” as such yes.

Mikej92

MalMonroe said:

Hi, this is what Which says about buying a faulty car on finance -  

https://www.which.co.uk/consumer-rights/advice/how-to-complain-about-a-car-dealer-atBv04B9OXas

The dealer can't just sell you a load of junk and then wash their hands of it, no matter what they say and no matter whether the car is brand new or 10 years old. It has to be fit for purpose and as described, by law. 

More info here -

https://www.moneyhelper.org.uk/en/everyday-money/buying-and-running-a-car/your-rights-if-something-is-wrong-with-your-car

You can also find details of motors online before you actually buy them. More info from Citizens Advice in the following link -

https://www.citizensadvice.org.uk/consumer/buying-or-repairing-a-car/buying-a-used-car/

You can also contact Citizens Advice to ask them what you need to do, if you can't get any help elsewhere.

PS Are there any dealers near you where you can physically go and have a look at a car and perhaps give it a test drive? I hate to say it but distance buying just doesn't seem to be working out very well for you. 

Also, if there is anyone not to have faith in, it's a used car dealer. Sad but true. You have to ensure that you double check all the facts and figures yourself.   

Potentially, but I’m unsure why I’d want to go and test drive one when I’ve bought on already. 

It’s also a pretty hard specced car to come by.

you’re probably right about the distanced thing!

Herzlos

Mikej92 said:

I had faith in the dealer , as they sent me a hpi check showing 1 owner, I did MoT check it, and was all good there.

What does your own HPI show? If they've faked one up to make it look like 1 owner then that's pretty dodgy.

Mikej92

Herzlos said:

Mikej92 said:

I had faith in the dealer , as they sent me a hpi check showing 1 owner, I did MoT check it, and was all good there.

What does your own HPI show? If they've faked one up to make it look like 1 owner then that's pretty dodgy.

The finance provided me with their hpi which shows 4 previous owners at said time.

Grumpy_chap

Mikej92 said:

The finance provided me with their hpi which shows 4 previous owners at said time.

Did you have that information before or after the order was confirmed to buy the car?

Mikej92

Grumpy_chap said:

Mikej92 said:

The finance provided me with their hpi which shows 4 previous owners at said time.

Did you have that information before or after the order was confirmed to buy the car?

After, I requested it when I received my log book .

Stateofart

If you've got proof of them saying 1 owner, take the car back and reject.  You have a year to do in most cases, although it is better the quicker you do it.  Go through the Motor Ombudsman.