My wife recently took out car finance through Accept Car Finance (ACF) for the purchase of a Nissan Primera. Having looked at the paperwork in more detail it appears to be a Credit Agreement as opposed to a Hire Purchase Agreement. During our conversations with the sales rep he went to some length to explain that after paying back half the payments the car could be handed back and no further payments would be due, and also that the car could be exchanged after 24 payments for another vehicle. Neither of these factors are mentioned in the Credit Agreement.

In addition, the Credit Agreement has not been executed by the financial provider or ACF, either by signature or date. It's also my understanding that this should perhaps be a Debtor Creditor Supplier agreement but there is no mention of this within the agreement.

An attachment provided by ACF states that no fees are payable to them however my wife is being charged an Arrangement Fee and a Credit Facility fee.

Based on this information, do we have a case for taking this further from an unenforceable credit perspective?

Thank you