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?

Hello and welcome to CAG. 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

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 Act 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.

wont effect you credit record

wont effect finance

stuff the warranty anyway its worthless

CRA is your fried as above.

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

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.

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

wont effect you credit record

wont effect finance

stuff the warranty anyway its worthless

 

CRA is your fried as above.

Well, as Meat Loaf might say 'Two out of three ain't bad'.

H

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

What make is the car please?

HB

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

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

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

HB