IMPORTANT REMINDER: Please make sure your posts do not contain any personally identifiable information. If you are uploading images, please take extra care that you have redacted all personal information.
EXTENDED: You've got another week to add your travel & holiday deals questions for expert MSE Oli as part of the latest Ask An Expert event.

Financed car, issues once again.

in Motoring
56 replies 2.6K views
1356

Replies

  • born_againborn_again Forumite
    10.7K Posts
    10,000 Posts Third Anniversary Name Dropper
    Forumite
    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.
    Life in the slow lane
  • edited 17 January at 3:39PM
    macmanmacman Forumite
    52.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    Forumite
    edited 17 January at 3:39PM
    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.

    No free lunch, and no free laptop ;)
  • Mikej92Mikej92 Forumite
    133 Posts
    100 Posts Second Anniversary
    Forumite
    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.
  • Mikej92Mikej92 Forumite
    133 Posts
    100 Posts Second Anniversary
    Forumite
    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.
  • macmanmacman Forumite
    52.8K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    Forumite
    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.
    No free lunch, and no free laptop ;)
  • Mikej92Mikej92 Forumite
    133 Posts
    100 Posts Second Anniversary
    Forumite
    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_chapGrumpy_chap Forumite
    12.5K Posts
    Ninth Anniversary 10,000 Posts Name Dropper Combo Breaker
    Forumite
    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?
  • Mikej92Mikej92 Forumite
    133 Posts
    100 Posts Second Anniversary
    Forumite
    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.
  • edited 18 January at 1:24AM
    ontheroad1970ontheroad1970 Forumite
    1.4K Posts
    1,000 Posts Second Anniversary Name Dropper
    Forumite
    edited 18 January at 1:24AM
    Mikej92 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.
  • Mikej92Mikej92 Forumite
    133 Posts
    100 Posts Second Anniversary
    Forumite
    Mikej92 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.
Sign In or Register to comment.
Latest MSE News and Guides

Clubcard deadline looming

Swap your points for vouchers by Tuesday

MSE News

Best £1 you've ever spent?

Share your most impressive bargains

MSE Forum