Car finance, dealer

[BankFodder]

If you have a look around at the used car problems that we have on this website, most of them have at least one element – paid by cash or paid by bank transfer, cheap car, bought a substantial distance away.

We don't how much your car is, but to require a 10 hour return journey is really quite excessive. And I gather that you haven't even seen it.

Although to a great extent you are protected by the fact that you have bought it on finance, even dealing with the finance company under the consumer credit act can be problematic because we are finding that mostly they are extremely uncooperative to the point of being obstructive.

Here's just one example where there is a finance agreement in place 

and here is another

 

 

And there are many more cases where people have bought cars at ridiculous distances from their home.

You say that just because it's close to you doesn't mean it's a good deal. Does that mean to say that because it's five hours away from you, it must be a good deal – and you haven't even seen it?

Have you factored in what you are going to do if you have some problem in the next two or three or four months – or within the next 12 months and you have to return it to the dealer to be repaired and then go back home while you wait for the repair to be carried out and then to go back down again and collect it and bring it back home.

I have to say that I'm a bit impressed the dealer actually wants you to see the thing before you collect it. Most dodgy dealers wouldn't so that's one good point in their favour but still you are taking a huge risk.
I don't know what difference you think a warranty makes. A warranty simply serves to distract you from your statutory rights and give you the impression that you have got some protection which you wouldn't have otherwise.
Warranties are by and large a con trick intended to give the impression to some naïve purchaser that they are getting some extra protection or some extra value as part of the purchase.

Wait and see what happens if you have to enforce the warranty. Ha ha.

The best thing you could possibly do is exercise your rights under the cooling off period and cancel. Buy something closer to home.

If you don't, then the chances are that you will be back here again in a few months asking for help because the car is defective and you are having difficulty getting it sorted out.

Already you seem to be having some kind of dispute about the difficulty of going to collect it. And it hasn't even gone wrong yet.

My site team colleague above is absolutely correct, unless it is written into the contract the car does not have to be delivered to you. You have to collect it.

Don't you see the warning signs already?

 

 

[BankFodder]

Watch out for pressure now when the dealer attempts to recover the purchase by offering to deliver the vehicle.

Stand your ground – but also appreciate that this problem has been caused by you

[BankFodder]

Thanks for the update. I'm glad it seems to be going so smoothly. Still – just to be cautious, confirm all telephone calls in writing. Make a note what was agreed and send it to them by email. Send a copy to the finance company. If you write anything to the finance company then copy it to the dealer.
This is all good practice and makes sure that you are covered if suddenly something goes wrong