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taximan45

Warranty Direct debt collection

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Hello.

 

Last year I took out a warranty for a second hand car I had bought with Warranty Direct.

They offered tol et me pay over 4 instalments which I went with.

 

After a couple of months the car had a breakdown.

THey agreed to pay for the initial repair (roughly £800)

however that was caused by another issue which then needed subsequent repair at a cost of £1200

 

. They refused to pay out for this after having the vehicle examined by an independant 'engineer' (ACE).

 

They used a technicality of small print to wriggle out of paying.

I didn't pay the remaining two instalments on the plan as I didn't have the money, having to spend it on the car instead ( i eventually got the money back form the finance company but it took months).

 

They have now passed the debt onto a debt collection agency

. Its not a huge amount of money but its the principle of the matter I have a problem with.

 

As I have never actually entered into a signed credit agreement with WD should I stand firm, or are they likely to come after me to reclaim any extra charges?

 

There is nothing in writing to confirm the payment arrangement although I guess they have the recoreded for training phone calls to go back on.

 

The other option is to offer the debt company a small monthly amount to pay it off.

Could I have peoples opinions as to how to proceed please?

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The absence of a signed credit agreement doesn't make a whole and the difference. You paid money and also you have taken some of the benefit of the warranty.

 

I think that we would need to know more about the technicality which you say they applied and also we would need to understand more about this subsequent repair which they refused.

 

Also, is this essentially an extended warranty on a car which you had just bought? If so, what about the seller's liability?


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