Car Finance co - their responsibility

[C&D]

Hello

I have a car on finance and in the weeks before Christmas it went wrong and cost us £650

 

then less than a week later it needed two further tyres (another £230).

 

I called the finance co to see if they would be willing to help with costs / reduce payments as obviously this was a big expense

and they advised that there was nothing that they could do but that if it went wrong again,

they could possibly give us a loan to help.

 

Sure enough a week later, I was advised that the front alloy had two cracks in and shouldn't be driven on.. the cost for a replacement.. £350

 

I phoned finance co about a loan and they kept fobbing me off,

eventually someone helped and put me through to the underwriters to submit the loan request.

 

To cut a long story short, they never phoned back and when i eventually spoke to the right man,

he advised that he wouldn't give us a loan as we probably hit the wheel going too fast over a pot hole!!!

 

I said that regardless of how it happened i needed help and that he really should have phoned and told me this when i first left a message

as Id been driving on my spare wheel waiting to hear from him!

 

He was so unbelievably rude and, it turned out that the loan request that was put through was for a new car

and not for a small loan so that probably wont look good on my credit report!!!!!!!!!

 

My question is: Do finance companies have any responsibility to help with the repair costs of (their!) cars?

 

We have had cars on finance before with other companies and they have helped us.

 

We will be exercising our right to VT the car in August when we are half way through the agreement

and I certainly wont be using them again! Id rather buy a £200 car and suffer than give them my interest!

 

Thanks for reading

[dx100uk]

when did you buy it?

 

asking for more credit and interrest to help pay for a car that might not be your problem or esponsibility to pay if it goes wrong under HP

is an expensive way to pay for repairs.

 

they just make more money out of you

 

 

dx

[C&D]

when did you buy it?

 

asking for more credit and interrest to help pay for a car that might not be your problem or esponsibility to pay if it goes wrong under HP

is an expensive way to pay for repairs.

 

they just make more money out of you

 

 

dx

 

Hi

We have had the car for a year next month. We've actually paid to have the alloy welded now & I absolutely didn't want a loan / to give them more interest but because we had just paid out £650 we were struggling to find another £350-£400