 Help please dodgy motor and dodgy finance!
Hi everybody,
I am new and confused...please be nice to me.
My problem is that 5 months ago, I purchased a used car from a small garage, on finance. From day 1 I have had nothing but problems with it. It has broken down twice, overheats every day and bits and pieces are falling off it all the time. It has been back to the garge 4 times and each time I have been told that the defects have been rectified which is not the case. The finance Company do not want to know, although I have advised them thatthe car is not of merchantable quality, nor is it fit for purpose. I had been making my contractual payments up until the last one which I cancelled to grab their attention. Their response, an immediate default notice....where do I go from here. I have sent them 6 letters, numerous e-mails and asked them to either rectify the defects, replace the vehicle or accept it's return and they won't do anything. I am now thinking of issuing proceedings against them under s75 of the Consumer Credit Act as to my belief, they have liability under the Consumer Credit Act and the Sale of Goods (Implied Terms Act) 1979. Where do I stand with regard to the default notice, and can I sue them? Thanks in anticipation | 
