Dealer & insurance company refusing to pay for repairs

philh103

I purchased a Peugeot 3008 (9years old) from a reputable car dealer in Gloucestershire. I live in Buckinghamshire but, really I liked the car and specs so was willing to travel130 miles. I have only had the car 3 months and have been hit with a repair bill of £1700. To be fair, some of the issues are general wear and tear but, the mechanic said the bulk of issues would have been present when we bought the car. There is a lot of rust on the under carriage which is causing issues with steering etc. The mechanic took several photo's. We got the car through a finance company called Happy Motor Finance who gave us 1 year's warranty. When we contacted them about the repairs they said they were not liable to pay for the repairs under the warranty as it is the dealer's obligation for the first 6 months. Also, the adviser who gave us the warranty did not specify a start date and has since left the company. So according to them, it will only start when we have had the car 6 months. The car dealer is being very abrupt and is refusing to accept any responsibility. They will only accept the advise of their own local mechanic in Gloucestershire. I suggested to them that they select a garage of their choice that is nearer to me. But they point blank refuse. Why, if it is an independent opinion that they want? My dad reckons they know the mechanic they want to use who will probably swing the results in their favour. I can not afford to pay the repairs and the only option is giving the car back. But before I admit defeat, is there anything I can do to resolve this? Are they both right? Where can I get advice from a neutral party? I appreciate any help.

Ectophile

Why, if it is an independent opinion that they want?

They don't want an independent opinion.  They want to not pay to fix your car.

My dad reckons they know the mechanic they want to use who will probably swing the results in their favour.

Your dad is probably right.

Realistically, you need an independent report listing what's wrong with the car.  Get quotes for fixing the problems.  Then send a Letter Before Action to the dealership.

If they are a reputable dealer, that may spur them into doing something.  If they are not reputable, they will ignore you.

But nothing will happen quickly.  If it ends up going to court, it will take many months.