Is your finance company forcing you to keep a faulty car?

We’ve all been there. You spend hours calculating monthly payments, put down a hard-earned deposit, and drive off in what you expect to be a reliable, worry-free vehicle under a Hire Purchase or PCP agreement. But when that dream car turns out to be a mechanical nightmare, you can quickly run into a frustrating, confusing wall. Often, the finance company will tell you the issue is strictly between you and the dealership, while the dealership itself drags its feet and your monthly direct debits keep leaving your bank account.

Understanding Your Rights

This is exactly the trap a customer of ours, David, found himself in recently. He had purchased a used SUV on a four-year finance agreement, only for the automatic gearbox to start slipping dangerously within the first two weeks. Because he was well within his first thirty days, he had a clear short-term right to reject the vehicle under Section 22 of the Consumer Rights Act. But wanting to be reasonable, David agreed to let the dealership have one quick look to resolve the issue under Section 23, which covers the right to a repair.

The Repair Attempt

The dealer replaced a sensor, handed back the keys, and assured him it was sorted. Just three days later, on a busy dual carriageway, the gearbox slipped again. When David tried to reject the car, the dealership and the finance company started passing the buck. The finance company even claimed that because he had accepted the repair, he was now stuck with the vehicle. He was left paying hundreds of pounds a month for a car he was terrified to drive.

The Legal Framework

What David didn't know at the time—and what many finance companies conveniently ignore—is that his actual contract was with the finance provider, not the dealer. Under the law, a dealer or finance company only gets one opportunity to repair a significant fault. If that repair fails, your final right to reject is triggered, and the finance company is legally responsible for resolving it.

When we stepped in, we held the finance company directly accountable. Once they realised we knew the legal framework inside out, the runaround stopped. We negotiated a complete rejection of the vehicle, the agreement was cancelled, and David got his deposit back with his credit file completely protected.

Taking Action

If your financed vehicle is spending more time on a ramp than on the road, please know that you do not have to accept endless diagnostic checks or failed repairs while your bank account is drained. If you have given them a chance to fix it and the fault is still there, we are here to handle the heavy lifting for you.

You can learn more about how we protect buyers at www.carrejection.com, or give our team a call on 0161 3274652. Alternatively, you can simply reply directly to this email with your story, and one of our legal advisors will get back to you for a confidential, no-obligation chat.

Conclusion

You have the law on your side. Let's make sure they respect it.

Best regards,

The Team at Carrejection.com

Additional Information on Consumer Rights

Understanding your rights under the Consumer Rights Act 2015 is crucial. This law protects you when purchasing goods and services, including vehicles. If your vehicle is faulty, you have specific rights that can help you navigate the situation effectively.

Common Issues with Faulty Vehicles

Many car buyers encounter issues such as:

• Mechanical failures

• Electrical problems

• Bodywork defects

  
  

These problems can arise shortly after purchase, leading to frustration and financial strain. Knowing how to address these issues is essential for protecting your investment.

Steps to Take When Facing Vehicle Issues

1. Document Everything: Keep records of all communications with the dealership and finance company.

2. Know Your Rights: Familiarise yourself with the Consumer Rights Act and how it applies to your situation.

3. Seek Professional Help: If you feel overwhelmed, consider reaching out to experts who can guide you through the process.

   
   

Why Choose CarRejection.com?

At CarRejection.com, we aim to be the leading expert and trusted partner for car buyers in the UK. Our mission is to help you confidently exercise your rights under the Consumer Rights Act 2015. We assist you in rejecting faulty vehicles and resolving disputes with dealerships and finance companies.

Let us support you in reclaiming your rights and ensuring you receive the service you deserve.