Car bought on finance and showing problems

[seaside girl]

Hi I have drafted another letter with the changes suggested to me. Have attached it here thanks.

reject letter draft.docx

[Never-In-Doubt]

Morning, is there anybody who can please tell me if my letter is ok to send today, as I need to know if I do indeed have my right to cancel correct. Thanks

You should slightly edit it and yes, add the part about your illness - you know how well that works (sorry but you know what I mean ) and also give them a reasonable time to respond; such as 14 days (based on pandemic issues).

However that said, Diana Mayhew - can you confirm if this is good to go please?

[Never-In-Doubt]

I tried that after putting Lady Di’s in but it wouldn’t accept it?

I know there's an issue with it jumping to the front of the paragraph once you tag the member - will fix it later as tagging isn't used that much to be honest.

[seaside girl]

Morning, is there anybody who can please tell me if my letter is ok to send today, as I need to know if I do indeed have my right to cancel correct. Thanks

[seaside girl]

My son and I just went to collect some things from the car in the garage car park. Apparently it is ready to pick up and all fixed. Hell that was an awful experience. They wanted to know why I was not going to come back for it. Will have to email them now and reject it.

[seaside girl]

Not sure if I also should put my health problems down in the letter: epilepsy caused by a brain tumour which is worsened by stress (hence this is one of the reasons why I have decided to reject the car rather than carry on with them)

[seaside girl]

Hi many thanks. I did have a timeline on the first letter I wrote, however due to a few different payments on the car due out at different times within the month, I am unsure whether to do that, just in case another payment came after the timeline set. Direct debits sometimes take a week or two to cancel properly.

[Timewilltell]

I would add a line at the end giving them 7 days to action the Cancelling of the agreement and to reimburse your expenses/costs.

Without having the Acts to hand I can’t comment as to whether there is any more legal content to include.

Diana Mayhew Colin G Quinn

[seaside girl]

Hi I have put together this letter, can anybody please tell me if it is ok to send? Thanks

[seaside girl]

Then again I just found this: debit card have a thing called chargeback
https://www.moneyadviceservice.org.u...ou-pay-by-card

In future I will pay things with credit card definitely

[seaside girl]

Morning, yes I found this link https://www.which.co.uk/consumer-rig...-from-a-dealer

That is great re credit cards and good to know for the future, but I paid the deposit with a debit card and it won't be the same will it?
Thanks

[Timewilltell]

Don’t know if there is a template letter as such? Anybody?

[Timewilltell]

I would definitely put a letter together to both the dealer and finance company informing of you ‘right to reject’ the vehicle making reference to section 75.
had a quick google from Martin Lewis and found this?
https://www.moneysavingexpert.com/re...our-purchases/


hope this helps.

[seaside girl]

Hi all, apologies for late reply as only just come in from work. Thank you all for stepping in to help me it is 'very much' appreciated. Diana I am trying to work out what you mean re the Section 75 CCA claim, it is very deep. 'Misrepresentation or breach of contract', I assume is because the car was not fit for purpose or as sold to me. Therefore the creditor (Suzuki Finance) and the supplier (Chapelhouse Motors) are jointly responsible. Suzuki Finance email is Blackhorse, not Suzuki.

Chapelhouse have been unusually quiet today, the salesman must have been told not to contact me and back off, as he has, up to Friday been in constant daily contact. Suzuki Finance said it could be up to 5 days before they get back to me. I have quite a few of the phone calls recorded as we have a Truecall system.

What I am unsure about is what my next step should be.

I intend to go in tomorrow to Chapelhouse and get my belongings out of the car, as I do not want it back. Is it a good idea to converse with the supplier, Chapelhouse whilst there, or just wait to see what Suzuki Finance have to say first do you think, which could be next week? I feel since I took delivery of the car that the weeks are going by, and I am aware of the 30 days time limit I have to reject the car which is getting very close.

Should I get a letter into the supplier to say I reject the vehicle before the 30 days are up please?

[Timewilltell]

Then you may be looking at a potential section 75 CCA claim involving the finance provider

Di

Is that the section that I referred to? Couldn’t remember the number just remember Martin Lewis mentioning it before now.