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Hi All I bought a new Audi A5 under a HP agreement in 2012, the final lumps sum payment is due in March 2016. I have just discovered my engine IS affected by the VW emissions cheat device. As I understand it, the finance company is liable as well as VW, will be quicker and easier to deal with the finance company than join a class action against VW Under the CCA 1974, can I claim against my HP finance company on the grounds that: 1. The vehicle was not as described (i.e. emissions etc. not as quoted) 2. the vehicle is not fit for purpose (emissions cheat device fit