Land Rover on finance with Engine failure

Minkeymag_2

Hello. How did you get on with this. I have a Landrover discovery sport 2020 model and I’m at my wits end with it. We had to replace a turbo in July and an enormous cost and now there appears to be an electrical fault and not even a Landrover specialist can assist with. Contacted finance company today. 

cw8825

Minkeymag_2 said:

Hello. How did you get on with this. I have a Landrover discovery sport 2020 model and I’m at my wits end with it. We had to replace a turbo in July and an enormous cost and now there appears to be an electrical fault and not even a Landrover specialist can assist with. Contacted finance company today. 

i dont understand what you expect the finance company to do for you?

If you had paid it outright you would be in the same position.
The finance company have just allowed you to pay other time

It is not their responsibility to repair the car

You would have paid for a car, which has developed a fault, unless it was sold with a fault but it its a possibly 5 year old car

Ectophile

cw8825 said:

Minkeymag_2 said:

Hello. How did you get on with this. I have a Landrover discovery sport 2020 model and I’m at my wits end with it. We had to replace a turbo in July and an enormous cost and now there appears to be an electrical fault and not even a Landrover specialist can assist with. Contacted finance company today. 

i dont understand what you expect the finance company to do for you?

If you had paid it outright you would be in the same position.
The finance company have just allowed you to pay other time

It is not their responsibility to repair the car

You would have paid for a car, which has developed a fault, unless it was sold with a fault but it its a possibly 5 year old car

That's a massive over-simplification, which ignores the Consumer Credit Act - Section 75 or 75A.

But the poster still needs an independent report to show that the fault was present at the time the car was sold.  If they can get that, then the credit company is jointly liable with the retailer.

force_ten1

cw8825 said:

Minkeymag_2 said:

Hello. How did you get on with this. I have a Landrover discovery sport 2020 model and I’m at my wits end with it. We had to replace a turbo in July and an enormous cost and now there appears to be an electrical fault and not even a Landrover specialist can assist with. Contacted finance company today. 

i dont understand what you expect the finance company to do for you?

If you had paid it outright you would be in the same position.
The finance company have just allowed you to pay other time

It is not their responsibility to repair the car

You would have paid for a car, which has developed a fault, unless it was sold with a fault but it its a possibly 5 year old car

the vehicle legally belongs to the finance company

until all payments are made and the agreement is settled Minkeymag_2 may be the registered keeper but the car legally belongs to the finance company so they have a vested interest here 

DrEskimo

Ectophile said:

cw8825 said:

Minkeymag_2 said:

Hello. How did you get on with this. I have a Landrover discovery sport 2020 model and I’m at my wits end with it. We had to replace a turbo in July and an enormous cost and now there appears to be an electrical fault and not even a Landrover specialist can assist with. Contacted finance company today. 

i dont understand what you expect the finance company to do for you?

If you had paid it outright you would be in the same position.
The finance company have just allowed you to pay other time

It is not their responsibility to repair the car

You would have paid for a car, which has developed a fault, unless it was sold with a fault but it its a possibly 5 year old car

That's a massive over-simplification, which ignores the Consumer Credit Act - Section 75 or 75A.

But the poster still needs an independent report to show that the fault was present at the time the car was sold.  If they can get that, then the credit company is jointly liable with the retailer.

Would this be any different if they had bought it outright but used a credit card for the deposit (assuming it was also under £30k)?

born_again

Ectophile said:

cw8825 said:

Minkeymag_2 said:

Hello. How did you get on with this. I have a Landrover discovery sport 2020 model and I’m at my wits end with it. We had to replace a turbo in July and an enormous cost and now there appears to be an electrical fault and not even a Landrover specialist can assist with. Contacted finance company today. 

i dont understand what you expect the finance company to do for you?

If you had paid it outright you would be in the same position.
The finance company have just allowed you to pay other time

It is not their responsibility to repair the car

You would have paid for a car, which has developed a fault, unless it was sold with a fault but it its a possibly 5 year old car

That's a massive over-simplification, which ignores the Consumer Credit Act - Section 75 or 75A.

But the poster still needs an independent report to show that the fault was present at the time the car was sold.  If they can get that, then the credit company is jointly liable with the retailer.

Given  purchased early Sept 2022. 
No way will you get a report saying it was faulty when bought 29 months ago. 

5 years finance on a car that is a unknown age, but guessing at least 3 years old on purchase.

Another OP post that has no details of the car at all...