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)


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  1. #1
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    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?

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  2. #2

    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?


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  3. #3

    Default Re: car on finance -missed service

    if the car is on hpicon 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

    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 REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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    DX
    RIP Martin3030

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  5. #5
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    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 hpicon 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

    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 hpicon 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 purchaseicon.


  7. #7
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    Default Re: car on finance -missed service

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

    But i could be wrong


  8. #8
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    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.
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  9. #9
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    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 purchaseicon agreement.
    i just looked it up

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  10. #10

    Default Re: car on finance -missed service

    What make is the car please?


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  11. #11
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    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

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  12. #12

    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.


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