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Short Term Rejection - PCP Car Finance

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  • Short Term Rejection - PCP Car Finance

    Hi all,

    Just seeking some input/thoughts or pointers if anyone else been in this situation. Am out of my depth from a legal point, but have read various threads to try and get my head round this. Have read through a few posts on here, but i guess in a round-about way, just looking for an extra bit of input....

    Wife saw a 4yr old car with 22k miles on a non-franchise dealer website. Seemed reputable based on the vehicles they sell (high value).

    Had video file sent to us showing the car and a walk-round, and includes the words "immaculate" in the video, it is a Mercedes E220d convertible in Red.

    Wife did a PCP deal for the car over 4yrs, and signed and collected the car **17 Days** ago. When collecting, it was raining, so from a view perspective, it looked OK.
    Below is what i am looking to add to a letter to indicate why we want to reject the car in Less than 30 days.

    Day 1 - Collect car in Rain and drive home - 195 mile trip
    Day 2 - Its Sunny, and after a car wash, can see 'micro-blisters' on the boot... At the time, i was un-sure what these marks were...
    Day 4 - I take it to a Bodyshop, who confirm the micro-blisters, and then take a look at the whole paintwork. They point out the blisters are all over the car, but not as noticeable as the panels that face the sun.....
    They also point out the front wings have had a paint job done, as 1 side looks slightly different in colour, and the other looks like a poor finish has been done, along with indications that some work has been done on the front bumper......

    Day 6 - Went to MB Dealer, as i read some alarming stories about MB paintwork. Local Dealer advised to contact another MB dealer who had a bodyshop

    Day 9 - Went to other MB dealer, who confirm the red paintwork was flawed, a known issue by Mercedes. Mercedes would correct the paintwork where the blistering occurs under there warranty, but the wait at that dealer is around 18-22 months to get done!

    Day 13 - EML (Engine Management Light) has come on, and has now stayed on. Car drives OK, and is not in Limp mode. There is a cost to get the fault + cost to repair (whatever the issue is).

    Day 15 - Emailed the Dealer indicating poor quality paintwork and asking for direction of the issue relating to the EML.

    As it is, the paintwork is enough to make the car "not of satisfactory quality" ,as well as "fit for purpose", and with the uncertanty of possible damage at the front (poor repair ?) + this EML warning, we want to Reject the car under the Short Term Rejection.

    If i have read correctly, we have to start the process to the Finance company, rather than the dealer. If right, we are to give the finance company 14 days to wrap this up, and if no resolution reached, we can commence legal proceedings to get the ball rolling (i get confused with the "you can reject the car within 30 days, but supposedly the finance company can put things on hold for an additional 8 weeks ???)

    Is it a case of writing the letter to the finance company indicating the above (date view), and letting them deal with the dealer ?
    Once the letter is sent, the vehicle will be parked and Not used, as my letter will state the car is ready for collection.
    The 1st finance payment is not due until the 12th May, so ideally we dont want any payments being taken, but unsure if to cancel direct debit ?

    Questions are:
    Do i write my letter quoting the CRA 2015 and notice regarding the Short Term Rejection ?
    Indicate the issues as noted above.
    Wait until its reached 14 days atfer they receive the letter, then issue "letter before action" or can i skip that, and just start action ? (wife cant be without a car, so ideally want to get this resolved so she can purchase another one, just not read, and have a dam good look this time! )

    I used the which.co.uk website for a template with regards to rejecting the car, but before i use that, just looking at more info.

    Cheers
    Tags: None

  • #2
    So yes, your first stop is the Finance House as they own the vehicle.


    You can always quote the relevant statutes, but make sure you reference the correct parts.
    It seems to me that whilst the vehicle might not be satisfactory, it is suitable for the purpose for which it was purchased i.e. as a car, but not perhaps as described

    That 14 day time limit applies from the day on which the trader agrees that the consumer is entitled to a refund.
    So you would be unwise to proceed to court action within 14 days of your letter, although this does not allow the trader to spin the matter out unreasonably.

    Your letter could point out your wife may have to hire a car if they do not deal with the rejection in a timely fashion, and that there is a the right to claim damages

    As you are rejecting within the first 30 days it is for you to prove the car is unsatisfactory, so don't expect them to roll over!

    I wouldn't rush to cancel the direct debit, as you could find yourself on the wrong side if the rejection does not go as you wish.
    Did you use a credit card at all when purchasing eg deposit?

    Comment


    • #3
      Hiya
      Cheers for the reply

      As said, post was all about asking questions and collecting info...
      Wifey doesnt want to send the car back, but from a panic perspective, i was looking at possible options...

      The suppling dealer has said they will reimburse me for the Diagnostic this weekend, and as for the paintwork, Mercedes will do the respray on the car in about 18 months time under the paintwork warranty.....
      But they wont do the front wings as a poor respray has already taken place on those....

      My fears were:
      Hand car back in 4yrs, and inspection shows this paintwork mis-match, and we end up getting a bill (probably wouldnt happen, but just my brain in overdrive)......

      Anyway, thank you for the reply

      Comment


      • #4
        Hiya,
        Kinda res-surecting this thread (kinda!)..

        I had emailed the supplying dealer with regards to that Engine Management Light issue, to which they said:
        For me to take to a local dealer to diagnose the problem, and upon receipt and report, they would refund me the cost of the Diagnosis. (unfortunatly, i cant see me getting my money back for the diagnosis)
        There response to the fault was: bring it back to them so they can fix it.

        So on Saturday, the car was taken to a MB independant specialist, and placed on the machine, to which the report showed the car has x2 faults relating to the exhaust emissions (MB call it Nox Sensors, normal cars call it o2/Lamda sensor).
        The fix is to replace both of these sensors, and have them reprogrammed.
        MB Dealers charge £1100 for this fix, and it would appear i have to use an MB dealer, given the nature of the sensors and programming involved.

        Out of curiosity (and we have until the 7th May to be within the 30 days of purchase) , the report produced by the garage to show the faults on the car, do they qualify as "unfit for purpose" ??

        I believe warrantys will cover this issue, but after talking to the RAC warranty firm, they were puzzled why i would asking for a claim like that in 2 weeks ownership.
        Thats a fault that would have been with the vehicle before purchase, and the activation of the warning light (EML) is what triggered us to find what the issue is/was......

        Comment


        • #5
          So your argument is that the vehicle was unsatisfactory because of these faults at the time of delivery,
          You could argue that you want a full refund, or you can request a repair.
          If you request a repair you cannot have a refund unless the supplier fails to repair satisfactorily.
          Repairs have to be at no cost (includes collection and delivery) to the customer and with as little inconvenience as possible.

          Comment


          • #6
            coolio, thank you for that
            As said, it was out of curiosity how it works.

            Comment

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