Fault with car on finance

[Pmsunderland]

I purchased a car on finance in August 2015.

 

Within a week it had a major issue.

 

Fault repaired within 3 weeks.

 

Then 5 months later another major issue.

 

Fault repaired within 2 weeks.

 

Now 8 months on and it's leaking oil which is causing smoke under bonnet.

 

I'm now wanting to reject offer of repair from the dealer

and reject the whole car through the finance.

 

I've already sent them recorded letter stating this.

 

What kind of reply can i expect ??

 

Thanks

 

1st fault clutch and flywheel ... 2nd fault new egr

[heliosuk]

It would help if you also stated make, model, mileage bought, mileage complained at etc.

[Pmsunderland]

Vw golf 59 plate 47500 on clock when bought 51000 now. Car is no longer in use its ready for collection. I'm just wondering how long I should give the company before I send a final letter? What response would I expect to receive of the finance company.

[Old Cogger]

had a car on finance years ago, it got stolen, recovered but engine blew up shortly after (con rod had been bent it seems) , Insurance claim put in === my usual luck the Insurance company went bust, car at a garage 200 miles away! After problems with Finance company would not assist in the issue, managed to fund with a Bank loan to get car repaired, eventually paid garage and traveled back with car, but after 140 miles car seized, car towed to home garage, AA vehicle inspector came to inspect the engine and components which had been split down for inspection, The consequences were as feared - that model was an export model of a different CC so the so called Recon engine fitted is NOT a recon BUT the original with a weld sealed up crack in the main cylinder bore, (What) amazing the car got any distance was murmured.

 

AA report they approached the garage in question BUT (my luck as usual) Garage out of Business!! left with a useless car, debt to Bank! and Finance company chasing me for monies! in the end they took it away and stated they will get new engine sell the car and any proceeds over I get (NOT), but to pay 50p a week meantime, or they will get me into court to-morrow, Oh! yes I said then you will have a problem, why the Finance guy said, just a minute I picked up suitcase and stated bye I am off to the Middle east, and rent here no more!

 

so if a finance company helps you in any way you will be lucky!

[Pmsunderland]

Just after some advice people.

I purchased a car in August 2015 on finance. Within a week it developed a major issue with engine shaking. 3 weeks later new clutch and flywheel replaced. 5 months on and now a breakdown. Contacted dealer and the fault was fixed within 2 weeks ( new egr valve ) .. now 8 months on and it's leaking oil which is causing smoke from under bonnet and also smell of fumes through the vents. I've been offered by the dealer to a diagnostic and possible repair but I'm now wanting to reject the car and their offer of repair. I've totally lost faith in the car. The car is a vw golf 59 plate. Mileage when bought was about 47800 and it's now on about 51000. I've already sent 2 letters recorded to both the finance and the dealer.

I'm just wondering what reply to expect from the finance company. Thanks

[honeybee13]

Hello there.

 

I've merged your threads as they seem to be about the same car.

 

I'm not sure why you've started a new thread?

 

HB

[Pmsunderland]

I'm new to this m8 ☺

[Pmsunderland]

Only made new one as there wasn't many replies in my other thread . Cheers

[Conniff]

If you haven't had a reply to date, who is the finance company and what type of finance agreement is it ??

[Pmsunderland]

Gonna keep the finance company name quiet for the time been until I recieve a response. Finance is conditional sale ... I'm unsure what the diff is between conditional and hp . Hope I receive a letter off them soon. I think I could have a decent claim with this ... well hopefully ☺

[Conniff]

Here is a good explanation of your finance - https://www.citizensadvice.org.uk/debt-and-money/borrowing-money/types-of-borrowing/hire-purchase-and-conditional-sale/

[Pmsunderland]

I've received a reply from the place I bought the car, they are refusing my rejection. I now hope to here from the finance company which depending on their response, I'll have no other option than to ask the ombudsman to step in.

[Conniff]

Well as a condition finance agreement comes under the Sale of Goods Act, that is what you must act on.

I'd say it's not of satisfactory quality but it is up to you bring evidence of that.

[Pmsunderland]

I'll let you no how I get on once I've received reply from finance .. cheers

[Conniff]

As the car belongs to the finance company, it's them you should be talking to and not the seller.

[Pmsunderland]

I'm currently in the process of rejecting my car on finance due to problems,

ombudsman already involved.

 

I'm just wondering if all involved can't solve my rejection?

 

Will the finance company help with costs for repair from the car manufacturer.

 

The car was purchased via a dealership and I don't want them anywhere near my car again

after a already repairing faults but they are a waste of time.

 

So I'm wondering if they will help out if I go through the manufacturer

[dx100uk]

threads merged yet again.

 

 

please keep to one thread

 

 

dx

[Pmsunderland]

Why keep to one thread, I'm asking something totally different to my last post

[Conniff]

There is no automatic right to reject after all this time. You are now deemed to have accepted the car. It is now up to you to prove that any faults were present at the time of purchase.

 

Have you checked to see where the oil leak is ?

 

New clutch, new egr valve, all at 50,000 miles, something not right there unless it's 47,000 miles of very short trips to the shop and back.

Edited July 12, 2016 by Conniff

[AndyOrch]

Conditional Sale Agreements are also covered by the Consumer Credit Act 1974 ...The agreement is secured against the car. ...you can change the car before the end of your finance agreement if you are not satisfied with the vehicle.

 

Andy

[Pmsunderland]

Oil leak seems to be coming from egr area and possibly dripping onto manifold which is causing the smoke .. the ombudsman are currently dealing with it atm just hoping they can help ... if not do you reckon I could bill the finance company if I was to have the car repaired at vw and not the dealership I bought from