Hi there,

i apologise if this is in the wrong section.

Im needing some help on a matter that concerns a Truck sales and my son.

Back in November of 2017,

i took my 18 year old to look at a 7.5ton truck.

After looking at the truck,

we then went to see the sales man and explained that my son would be purchasing the vehicle on finance as he has a clean finance record.

No problem sir, we can sort that out with our finance guy (Close Brothers)

3 weeks went past and hadnt heard a thing

my son rings up and gets told that the finance chap would ring him.

He did and explained to my son that it was all looking good.

after speaking to him, my son rang the sales firm up and explained it looked like it was going through.

the next day he received a phone call from the truck sales saying the finance company wanted £2800 deposit for the finance.

My son said that he could not afford it,

only had £1000 that was all,

to which the owner of the truck sales said,

thats fine ill sort the £1800 through the vat.

How he can do that i dont know.

my son paid over the phone the £1000 and was told that the paper work and vehicle would be ready on the Thursday before Christmas.

i took the day off work as did my son,

rang the truck sales up and they said that they had heard nothing off the finance company and that they had mot'd the truck costing over £750.

After several phone calls i got through to the finance chap and he said my son had been accepted

but refused after being accepted as he did not have a license to drive the vehicle.

I explained that he was only financing the vehicle and i was going to be the registered owner and insurer.

Point blank said NO not acceptable.

I then got onto asking for the finance deposit back and he said it was not his problem and that he was looking for another solution.

Yesterday i received a call form him saying that he found a broker that would do it but the deposit would be over £3000.

I told him thanks for trying but we would leave it.

I have today been in a big argument with the stubburn sales man asking for the £1000 finance deposit back

he has told me no chance as they have now laid out nearly £1000 getting mot done on it.

Gone up £250 from before christmas.

I explained that his boss said it was a deposit towards the finance and not the truck but keep insisting they are not paying it back.

I explained to him that if the finance had been agreed,

and the £1000 deposit was on the truck, why was it still for sale on ebay and their website.

Can someone help or guide me on this please

PS: sorry for the long post

being had here

go do a chargeback to your bank now

Not really, part of the finance agreements are the signer is the registered keeper and insurer of the vehicle. That's pretty standard stuff.

Even so its not your fault they forked out for a class 7 mot.

Now I'm not sure if a chargeback is appropriate here..

Here are the rules.

What transactions does Chargeback cover?

It covers purchases of almost any value made on your card.

You can use it to get your money back if:

A purchase does not arrive

The company you buy from goes bust

Goods or services are not as described or are in an unsatisfactory condition

You are charged more than agreed for a purchase or are charged more than once

Your card is used fraudulently

None of which apply in your case

But you need to ask why they are stating £750 when the MAXIMUM a garage can charge for a class 7 mot is £58.60.