Refund on a car and cancel Finance

Brightonbovs71

Recently purchased car through Hounslow cars .had it 34 days and had lots of issues. (Mechanical)  I want to return it back and cancel my finance.

The Finance company are ok with this but cant do anything until the Dealer gets back in touch AGAIN Because they've told the finance company that the vehicle is in their garage being repaired  but its sitting on my driveway sent proof to Finance company(Photo) . I've had no return calls or reply's to emails sent to Hounslow cars.
The payment is due soon, should I cancel my Direct Debit  

Is there a cooling off period ?
should I/could I cancel my Direct Debit?
what are my rights ? 

Sorry for all the Questions 
Many thanks.

eskbanker

Brightonbovs71 said:

Recently purchased car through Hounslow cars .had it 34 days and had lots of issues. (Mechanical)

Under the Consumer Rights Act, within the first 30 days you have the short term right to reject a purchase, but once that initial period has passed it's more complex and the dealer effectively needs to be given the chance to rectify issues.  Has the car been back with them yet?

born_again

Don't cancel the DD. That will lead to finance co chasing you & a missed payment marker on your credit history.

Cancelling finance does not cancel the purchase. They are 2 separate things.

Have you physically been to the dealers?
You can ask finance co about S75 claim on the purchase, given dealers lack of response. 

molerat

Is there a cooling off period ?

The cooling off period has long passed - 14 days.

the_lunatic_is_in_my_head

molerat said:

Is there a cooling off period ?

The cooling off period has long passed - 14 days.

Assuming one exists, which would depend upon the type of contract formed, it wouldn't be possible to say how long the cooling off period is without seeing the information provided to the consumer, all we can say is for distance and off-premises there is a normal cancellation period of 14 days which can be extended due to failure to provide certain information  

OP as above after 30 days from delivery the trader can (indeed should) opt to repair or replace (unless impossible or the one of your choosing is disproportionate to the other) but needs to so within a reasonable time and without significant inconvenience, which is subjective but a car can be hard to be without, if they said they needed time to perform a complex repair that could be acceptable but if time is ticking because they wont respond to you then you are better off exercising the final right to reject and using the finance company's official complaints procedure to notify them of your intention to hold them liable under S75 (if the car was over £30k then it's 75A which is slightly different).