Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


+ Reply to Thread
Results 1 to 12 of 12
  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    teapot100 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2018
    Posts : 3 (0.68 post per day)

    Default car on finance -missed service

    Hello

    Can I get some advice, please?

    I brought a new car that is on hire finance just over a year ago.
    I missed the first year of service.
    there have been lots of things going on in my life and I completely forgot especially as the service timing has changed.

    I have booked it for a service with the garage and they have told me that this voids my warranty and I should let the finance company know.
    the finance will end at the end of this year and I want to keep my car.

    I am mortified and really worried.
    Will they charge me a penalty, will it affect my credit rating.
    This has never happened to me before.
    Garage won't do both at the same time.
    The car hasn't much mileage on it.
    I'm really worried

    What should I do?

    Follows
    0
    Following
    0

  2. #2
    Site Team honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2009
    Posts : 42,711 (13.42 post per day)

    Default Re: car on finance -missed service

    Hello and welcome to CAGicon. People should be along later with advice for you.

    What does your owner's manual say about servicing please and how late are you?


    Edited to add: What do you mean about the garage not doing both at once please?


    HB

    PLEASE HELP US TO KEEP THIS SITE RUNNING
    EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS



    If you are asked to deal with any matter via private message, PLEASE report it.

    Illegitimi non carborundum.

    Follows
    0
    Following
    0

  3. #3
    Gold Account Holder Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative



    Follow Real_CAG on Twitter
    Cagger since : May 2006
    Posts : 5,776 (1.29 post per day)

    Default Re: car on finance -missed service

    if the car is on HP there is no obligation to have it serviced annually as long as it is kept in good condition. As for the warranty they cna go whistle as Consumer Rights Acticon 2015 over rides any silly warranty that they may offer. It is of no concern to you that the supplier cannot claim from the manufacturer as they are still obliged to rectify any faults unless the fault is a direct result of not having the car serviced, i.e. oil filter clogged up causing engine to fail.


  4. #4
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 117,859 (27.72 post per day)

    Default Re: car on finance -missed service

    wont effect you credit record
    wont effect finance
    stuff the warranty anyway its worthless

    CRAicon is your fried as above.

    PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS
    Click Here To Make A Donation
    If you want advice on your thread please PM me a link to your thread
    my views are my own...seek legal advice if necessary
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by phone alert the siteteam
    DX RIP Martin3030
    Follows
    1
    Following
    0

  5. #5
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    colin11 Informative colin11 Informative colin11 Informative colin11 Informative colin11's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Mar 2014
    Posts : 344 (0.21 post per day)

    Default Re: car on finance -missed service

    That isn't strictly true

    I am assuming this is a PCP contract where you pay payments for a set time and then you can either pay the final GMFV (Guaranteed (Minimum) Future Value at the end, Or hand the car back, Rather than a normal HP contract where you make the payments and the car is yours at the end

    If it is a PCP contract, And you hand the car back at the end, A missing service will affect the value of the car and you would face a bill when you hand it back, Just the same as if there was damage to the car, Or you had gone over the agreed milage

    If you plan to make the final payment to keep the car, I can't see it having any affect other that reducing it value when you come to sell it


  6. #6
    Gold Account Holder Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative Surfer01 Authoritative



    Follow Real_CAG on Twitter
    Cagger since : May 2006
    Posts : 5,776 (1.29 post per day)

    Default Re: car on finance -missed service

    Quote Originally Posted by colin11 View Post
    That isn't strictly true

    I am assuming this is a PCP contract where you pay payments for a set time and then you can either pay the final GMFV (Guaranteed (Minimum) Future Value at the end, Or hand the car back, Rather than a normal HP contract where you make the payments and the car is yours at the end

    If it is a PCP contract, And you hand the car back at the end, A missing service will affect the value of the car and you would face a bill when you hand it back, Just the same as if there was damage to the car, Or you had gone over the agreed milage

    If you plan to make the final payment to keep the car, I can't see it having any affect other that reducing it value when you come to sell it



    OP did state that it was bought on Hire Purchase.


  7. #7
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    colin11 Informative colin11 Informative colin11 Informative colin11 Informative colin11's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Mar 2014
    Posts : 344 (0.21 post per day)

    Default Re: car on finance -missed service

    Quote Originally Posted by Surfer01 View Post
    OP did state that it was bought on Hire Purchase.
    But also said he wanted to keep the car at the end, With normal HP that wouldn't even be a question, He also said Hire finance rather than hire purchace

    But i could be wrong


  8. #8
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    Hammy1962 Informative Hammy1962 Informative Hammy1962 Informative Hammy1962 Informative



    Follow Real_CAG on Twitter
    Cagger since : Dec 2007
    Posts : 880 (0.23 post per day)

    Default Re: car on finance -missed service

    Quote Originally Posted by dx100uk View Post
    wont effect you credit record
    wont effect finance
    stuff the warranty anyway its worthless

    CRAicon is your fried as above.
    Well, as Meat Loaf might say 'Two out of three ain't bad'.

    H

    40 years at the pointy end of the motor trade.
    Follows
    0
    Following
    0

  9. #9
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    teapot100 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2018
    Posts : 3 (0.68 post per day)

    Default

    I asked what sort of service the first year one was.
    they said it is a basic one.
    the second year is a full service.

    I'm 7 months late for my first service and 4 /5 months early for the second service.
    I asked if they could do both the ist year service 9 (whatever that covered and then do the full service). not sure what they would do totally.

    I should find out what they cover.
    I used to get a list of things that were ticked that they covered from my last garage.
    this car is a different make so I don't know how they do services.

    it's a hire purchase agreement.
    i just looked it up

    Follows
    0
    Following
    0

  10. #10
    Site Team honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2009
    Posts : 42,711 (13.42 post per day)

    Default Re: car on finance -missed service

    What make is the car please?


    HB

    PLEASE HELP US TO KEEP THIS SITE RUNNING
    EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS



    If you are asked to deal with any matter via private message, PLEASE report it.

    Illegitimi non carborundum.

    Follows
    0
    Following
    0

  11. #11
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    teapot100 Novitiate



    Follow Real_CAG on Twitter
    Cagger since : Aug 2018
    Posts : 3 (0.68 post per day)

    Default

    the car is in good condition and I have only just hit the agreed mileage allowed.
    I only did half the mileage allowed in the year.

    it's a Nissan

    Follows
    0
    Following
    0

  12. #12
    Site Team honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13's Avatar



    Follow Real_CAG on Twitter
    Cagger since : Nov 2009
    Posts : 42,711 (13.42 post per day)

    Default Re: car on finance -missed service

    My car says 12,000 miles or once a year.


    Please tell us the make and model and what your manual says.


    HB

    PLEASE HELP US TO KEEP THIS SITE RUNNING
    EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS



    If you are asked to deal with any matter via private message, PLEASE report it.

    Illegitimi non carborundum.

    Follows
    0
    Following
    0


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details