Car finance - Problem cancelling loan agreement due to faults
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If you find that there are huge problems with a car you’ve bought through a hire purchase scheme, you should expect to either have the dealer fix the problems or to have the agreement cancelled.
If you have a problem with your car, your hire purchase agreement normally means that the hire purchase business is the provider of the vehicle (rather than the dealer) and is therefore responsible for the quality of the car. You should get in touch with the dealer to get the problems sorted. If they are unable to help, you can escalate your case to the Financial Ombudsman. You may be due some money back!You should know
When raising an issue concerning vehicle finance, it is important to remember that the dealership who supplied the vehicle and the business responsible for the finance agreement may be different organisations. In many cases, the dealer may act as a credit broker, arranging finance through another business. Always be aware of the terms and conditions of your finance policy.
Vehicle purchases made on finance are covered by the Consumer Rights Act 2015. By law, finance companies need to ensure the car is of satisfactory quality and that it’s as it’s been described
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