car finance a nd rights

[cazzerb]

I am not happy with a car that i bought at a dealership 2 1/2months ago. It has developed faults(serious brake problems which the dealerships mechanics did not diagnose over several occasions) and i now do not want it as im concerned as to its safety. As i bought the car on finance from them, what are my rights regarding asking them to replace it or refund me?

[spaced]

depends on the sort of warranty you have, if any, with the vehicle.

Have had many scenarios on AB where this has occurred and the garage have been reluctant to do anything. Best bet is to record and keep everything, incuding names and times of people you have spoken to. Threaten to take this to trading Standards and watchdog, basically tell them that you will drag their name through the mud. Did you buy from a main dealer? Which dealer and car? Im a fleet manager, and may have some other pointers depending on where you got it from. They should not have sold you a deffective and dangerous car.

let me know. and I should be able to help alittle more.

[stanleyman]

It all depends on whether you have accepted the car or not, you can reject it but you have to be quick. Take too long and any court will believe you have accepted it with all faults. If you have been having ongoing problems then it might be considered reasonable to hang on. Say you are rejecting it and ask for your money back but you may have to take them to court as unfit for purpose. Finance does not affect your rights.

You have borrowed the money from a finance company (the dealership are an agent) to buy the car who will need reimbursing if you are refunded or you can use the money to buy another car somewhere else, they have nothing to do with the car or condition.

[Oneeyedvic]

Contrary to stanleyman's post, Finance does effect your rights.
Check your agreement seeing what is said at the top (Will be either Loan agreement / Hire Purchase agreeement or Condiional Sale agreement)

If it is either of the second then you have extra rights under teh Consumer Credit Act in that the finance company are as equally liable as the dealer.

[tubeway]

Certain types of finance agreements are known as tripartite - which means that they work three ways - im many cases the finance company (depends on the company and type of agreement) will help you to solve the probelm with the dealership (as it is their problem too) - approach them and ask if they can help.