Hello guys someone please help

I took out a finance agreement in November 2014

I took my Ford Fiesta into a new ford company and I was 3 months into my contract with ford credit for my fiesta

and wanted to come out of it and get into a focus

they managed to get a settlement sorted and I got my focus

however I have had a load of problems with the car since including two window regulators needing replacing

and also something wrong with the suspension

the works were carried out in the end after they tried to fob me off with temp repairs

however the suspension problem came back less then a month after they said they had replaced the lower arms

i took it through creation who asked auto Union finance to investigate

I was then contacted by the main dealer I got the car from

who told me they wouldn't cancel the contract like I had requested under the sales of goods act 1994

and they would only offer the repair the car

I dug further and found out that I was on a personal loan and not a hire purchase agreement

the word personal loan was never used by the dealership otherwise I would have gone elsewhere for a cheaper interest rate

and I now notice on my agreement it said fixed sum loan agreement but not the words personal loan.

I have since had the finance company arrange for a inspection of the car I'm waiting for a copy of this

but the person said to me that it doesn't look like the arms have been replaced

when it says on the paperwork from the works they carried out that they replaced them.

Where do I stand in relation to the personal loan side of things

and also my right to cancel the contract as am not happy with the goods supplied (under sale of goods act 1994)

Regards

Adam mcgoldrick

its a pers loan yes sadly - with no relationship to the car unless it is specifically mentioned on it?

it would probably be under

http://www.legislation.gov.uk/ukpga/1994/35/crossheading/provisions-relating-to-the-united-kingdom?view=plain

rather than soga.

when did you sign the agreement and when did you first notify the retailer of the issues.

I signed the agreement in November 2014 and

I first made them aware in December

the car went in they repaired the faults by replacing the window regulators

they said this had been a fault with the car before as the regulators had already been lubricated

and I was not made aware of this at point of sale.

When I first said about the noise from the suspension (metal grinding noise) they said they couldnt fault it

when I took the car in to have the window regs fitted i said about the noise again and this time they said they could fault it

and that they had greaed it all and it was a permanant fix

well anyone with common sense would tell that the greasing would wear off and the noise come back and

they said if the noise comes back the arms will need replacing and I would have to pay £430.00

I complained to the manager who went onto system and said the notes said I was advised a temp fix had been done

and that I was advised new arms were needed

they booked it in and paid for the works to be done

however the noise came back a few weeks after if that and

I then took it through creation to cancel the agreement and

I'm at the stage of waiting for the independent report to be sent to creation.

Would you like to tell us the name of the dealer you bought the car from Adam ?

Would you like to tell us the name of the dealer you bought the car from Adam ?

Lookers ford colchester

Will you come back as soon as you receive the inspection report and let us know what it says ?

As the title of this thread has the name and location of the trader involved, with, as yet, no response from them. I feel it is right and proper to point out that the OP didn't mention in the original title the name and location of the trader.

It would appear that the title has been changed, presumably by Conniff (Site Team) based on the question and it's reply in posts #4 & #5.

This penchant for "Naming & Shaming" is endemic across the web at the moment and we must all remember that the trader has, based on the original post, nothing as yet to be ashamed of. More information is required from the OP for us to be able to form an accurate view of the situation. Things such as New, Used, Same Dealer, Different Dealer etc. all need to be considered.

H

As the title of this thread has the name and location of the trader involved, with, as yet, no response from them. I feel it is right and proper to point out that the OP didn't mention in the original title the name and location of the trader.

 

It would appear that the title has been changed, presumably by Conniff (Site Team) based on the question and it's reply in posts #4 & #5.

 

This penchant for "Naming & Shaming" is endemic across the web at the moment and we must all remember that the trader has, based on the original post, nothing as yet to be ashamed of. More information is required from the OP for us to be able to form an accurate view of the situation. Things such as New, Used, Same Dealer, Different Dealer etc. all need to be considered.

 

H

Hammy, whilst the title of the thread was indeed changed - in order to reflect the OP's situation correctly (and only after further information had been provided), it must be advised that Conniff was NOT responsible for the amendment.

It does all come down to reading what is signed as mentioned so many times in all walks of life.