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Car Finance - can i exit?

Last post Thu, Aug 13 2009, 11:20 PM by sparky76. 3 replies.
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  •  Thu, Aug 13 2009, 11:20 PM

    Re: Car Finance - can i exit?

    hi Al,

    Fingers crossed you get a copy of the checks, and also you should be able to get the MOT (as if you have to tax the car, you'll need it!), I believe you can get a copy (but maybe only of the certificate) by contacting the garage that conducted the MOT.

    Finally as you have finance you may have a route to some recovery via the finance, but I don't know enough to help you there. I recall reading something around this on another thread, so worth reading around.

    You could also possibly talk to your local CAB about this for advice?

    Good luck with it.

    Sparky

    • Post Points: 5
  •  Thu, Aug 13 2009, 10:53 PM

    Re: Car Finance - can i exit?

    Hi Sparky

    I didn't receive a copy of the check and certainly didn't have sight of it. I have asked for a copy of this in my letter. Sadly, they didn't flag any items that may give cause for action within six months or i most certainly would have considered whether i wanted to incur the extra expense in purchasing that particular car. Also, the MOT was done there on sight before i purchased the car so you would expect that they would have provided that to me, sadly not. I attempted just now to gain the history of the MOT on the VOSA website and neither the vehicle registration mark and V5 document reference number are recognised. I'll try and sort this out with VOSA in the morning and put that in my letter that a current MOT certificate was not provided. I wonder whether this scenario is likely to change if they don't have one and are supposed to. Also, why would this car need to have an MOT done in January when the previous MOT was done in August? A friend mentioned about getting the vehicle checked over by RAC, i have membership with them. I know that whatever price they are likely to buy it back at is going to be significantly less than the finance remaining (i think it's likely to be about £2,000). I'll be much more cautious in future that's for sure.........

    Keep you posted,

    regards,

    Al

    • Post Points: 20
  •  Thu, Aug 13 2009, 5:13 PM

    Re: Car Finance - can i exit?

    Hi Al,

    When you bought the car did you get sight of this 120 point check? Was a copy not given to you?

    I guess that you could request a copy of the check from Carcraft, and take it from there.

    Just because they do a check, doesn't mean that they fix things! Think MOT. They can flag items for concern that do not fail the MOT, so did they really mislead you...?

    Was the car sold with an MOT? Do you have a copy?

    An option when buying a car is to have a check by the AA or RAC etc, but I guess you could argue that they had their 120 point check, so you didn't think this was necessary.

    You could always have one done now. Perhaps you could speak to Trading Standards, or OFT to ask about this, given the state of the exhaust.

    In terms of dealing with the car you have. I guess you could see how much they would buy it back from you at? The RAC / AA may give you a valuation of the car.

    From experience the reports generated are designed to cover the inspector (may have... etc), so worth talking to the mechanic / inspector when they look at it.

    You could alternatively take it to an independent garage to see what their opinion is.

    Good luck

    Sparky.

    • Post Points: 20
  •  Thu, Aug 13 2009, 2:18 AM

    Car Finance - can i exit?

    When it rains, it pours...............

    like a lot of people that use this site, i've noticed a pattern of complaints forming specifically aimed at carcraft. I have to admit that since i started driving the car that my partner bought in january this year, there have been problems but not perhaps serious ones. the cost however is something else. 2.5 months after purchase, the exhaust dropped off. they didn't provide us with a 3 month warranty and as it was a first buy, we had no knowledge of it. so the car was taken to the usual mechanic that fitted the new exhaust and advised that it had virtually rusted off and 30,000 miles is the average life span for an exhaust he said. the car was at 34,000 when i bought it. then when i took it to carcraft for an interim service to keep the NAC guarantee happy, they charged me for things they didn't do, advised me that the brake pads were 90% worn and in total it was going to cost £265. i told them not to do the brakes and i would get those down cheaper elsewhere. no brake fluid change and charging for an air filter that is included in the price. my concern was that if the pads were 90% worn then surely when it was bought six months earlier, they should have been at amber. I've probably done about 4,000 miles in that time. And if the exhaust had rusted off within two months then surely that should have been noted on their famous 120 point check? in short, i did not have sight of this check and don't think it was done or perhaps very well, they have not done a satisfactory service, it is costing me more than i can afford and i traded my old car in for a more 'reliable' newer car. well i know it was all a mistake with hindsight being the luxury it is but based on the above, my severe lack of confidence in their service and skill and sales, do i have any possibility of claiming the money back that they have taken from me i.e deposit, refund on parts etc and what about the £800 paid so far on the agreement? i don't feel confident with this car having no previous service history from 2 owners in 3.5 years and i'm scared i can't afford to keep it on the road if anything else falls apart that isn't covered by the NAC guarantee........

    advice would be great.......

    Al

    • Post Points: 20