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

born_again

Stateofart said:

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.

If it's a backstreet dealer, they may not be a member.

https://www.themotorombudsman.org/garage-finder

To find out.

macman

I've asked it before, and probably will have to again, but why would you not do a test drive, check the V5C/MOT/HPI  and shop somewhere reasonably local to buy a 5 year old Octavia? They're not exactly rare cars.
Having said that, you appear to have a sound claim for rejection on the grounds of misrepresentation.
And I'd send a copy of the original HPI report to them for investigation.

Mikej92

Stateofart said:

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.

Yeah, states 1 owner in the advert which I still have saved.

Mikej92

macman said:

I've asked it before, and probably will have to again, but why would you not do a test drive, check the V5C/MOT/HPI  and shop somewhere reasonably local to buy a 5 year old Octavia? They're not exactly rare cars.
Having said that, you appear to have a sound claim for rejection on the grounds of misrepresentation.
And I'd send a copy of the original HPI report to them for investigation.

Once again, as explained, the particular model I wanted are second to none.

it’s a limited edition car, 600 made, so yes, pretty rare and hard to come by.

macman

But a distance purchase does not prevent you from checking the documentation before contracting to buy. All you had to do was request a copy of the V5C, which would have shown that there were several previous owners. Ditto the MOT and service history.
No idea if the HPI was erroneous, or faked, which is why I'd report the anomaly to HPI.

Mikej92

macman said:

But a distance purchase does not prevent you from checking the documentation before contracting to buy. All you had to do was request a copy of the V5C, which would have shown that there were several previous owners. Ditto the MOT and service history.
No idea if the HPI was erroneous, or faked, which is why I'd report the anomaly to HPI.

It’s been mis sold regardless, I asked the dealer umpteen times if it was definitely one owner, and had the service history it was advertised with.

Grumpy_chap

There is a bit of Groundhog Day to this and the advice is the same as previously - when buying a car, particularly a rarer derivative of a mass-market model, if the selection is so few that you need to purchase from a Dealer far away, then the best approach is to take the time to travel to see that car and be sure that the car meets all the expectations and claims that have been made before parting with large amounts of capital.

In this case, it seems as though the Dealer is not going to be helpful.
What response have you received from your approaches to the finance company?

Mikej92

Grumpy_chap said:

There is a bit of Groundhog Day to this and the advice is the same as previously - when buying a car, particularly a rarer derivative of a mass-market model, if the selection is so few that you need to purchase from a Dealer far away, then the best approach is to take the time to travel to see that car and be sure that the car meets all the expectations and claims that have been made before parting with large amounts of capital.

In this case, it seems as though the Dealer is not going to be helpful.
What response have you received from your approaches to the finance company?

Unfortunately it wasn’t an option to be able to travel, my partner gave birth during the week of me purchasing the car (3 weeks early) so that definitely wasn’t an option at the time.

The finance company have asked for all the info, so I’ve supplied everything, they have also said they don’t think I have grounds to reject based on the owner discrepancy along with the other issues currently, which again, I feel is a bit slack considering they are the ones that own the car.

I have spoken to citizens advice and the motor ombudsman who have both said I have rooted grounds when it comes to rejection purely based off the owner discrepancy.

they have also said I need not bring up the other faults and issues, as the misrepresentation of the car it’s self is grounds enough to reject.

so I have also sent that back to the finance company, it’s a waiting game now I guess.

ontheroad1970

Mikej92 said:

Grumpy_chap said:

There is a bit of Groundhog Day to this and the advice is the same as previously - when buying a car, particularly a rarer derivative of a mass-market model, if the selection is so few that you need to purchase from a Dealer far away, then the best approach is to take the time to travel to see that car and be sure that the car meets all the expectations and claims that have been made before parting with large amounts of capital.

In this case, it seems as though the Dealer is not going to be helpful.
What response have you received from your approaches to the finance company?

Unfortunately it wasn’t an option to be able to travel, my partner gave birth during the week of me purchasing the car (3 weeks early) so that definitely wasn’t an option at the time.

The finance company have asked for all the info, so I’ve supplied everything, they have also said they don’t think I have grounds to reject based on the owner discrepancy along with the other issues currently, which again, I feel is a bit slack considering they are the ones that own the car.

I have spoken to citizens advice and the motor ombudsman who have both said I have rooted grounds when it comes to rejection purely based off the owner discrepancy.

they have also said I need not bring up the other faults and issues, as the misrepresentation of the car it’s self is grounds enough to reject.

so I have also sent that back to the finance company, it’s a waiting game now I guess.

They have a vested interest in not rejecting the car.  If you don't make all the payments how will they get their interest?  A car that is not what it seems will be of less value to them, so hindsight always being 20/20, I wouldn't really on a finance company's view of an asset being unbiased.  It's in their best interests that you pay for the full term.

Mikej92

ontheroad1970 said:

Mikej92 said:

Grumpy_chap said:

There is a bit of Groundhog Day to this and the advice is the same as previously - when buying a car, particularly a rarer derivative of a mass-market model, if the selection is so few that you need to purchase from a Dealer far away, then the best approach is to take the time to travel to see that car and be sure that the car meets all the expectations and claims that have been made before parting with large amounts of capital.

In this case, it seems as though the Dealer is not going to be helpful.
What response have you received from your approaches to the finance company?

Unfortunately it wasn’t an option to be able to travel, my partner gave birth during the week of me purchasing the car (3 weeks early) so that definitely wasn’t an option at the time.

The finance company have asked for all the info, so I’ve supplied everything, they have also said they don’t think I have grounds to reject based on the owner discrepancy along with the other issues currently, which again, I feel is a bit slack considering they are the ones that own the car.

I have spoken to citizens advice and the motor ombudsman who have both said I have rooted grounds when it comes to rejection purely based off the owner discrepancy.

they have also said I need not bring up the other faults and issues, as the misrepresentation of the car it’s self is grounds enough to reject.

so I have also sent that back to the finance company, it’s a waiting game now I guess.

They have a vested interest in not rejecting the car.  If you don't make all the payments how will they get their interest?  A car that is not what it seems will be of less value to them, so hindsight always being 20/20, I wouldn't really on a finance company's view of an asset being unbiased.  It's in their best interests that you pay for the full term.

Yeah, guess so, annoying process, but I’m sure I’ll get the outcome I’m hoping for, purely based on the info I have.