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Monthly car payment with garage but no CCA?


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I have a person who has come to me with a problem.

 

They agreed to pay monthly with a garage for a vehicle.

They signed a scrap of paper to pay £150 a month for it.

And it literally is a scrap of paper.

 

Car value at the time of purchase was £2195 as signed for

but obviously this value is not genuine because since purchasing,

it has become clear the car is not all it seems.

 

Various problems cropping up and have since discovered it is a CAT C.

The problems have been fixed by my friend as the garage did not want to know.

 

No credit agreement in force.

 

Nothing binding that way.

 

However, the log book is registered in my friend's name and they are, in effect, the full owner.

 

So my question is, what rights doe this person have?

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Private Informal Agreement it would seem.

My impression also, but if the person decides to stop paying until the vehicle is rectified, is there anything the "lender" could do besides sending the heavies around?

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They could try, but I would doubt any legal action either way would achieve anything.

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