Pcp rights car trouble

[tom8y]

had a car which I part exchanged at a citroen dealership. They gave me 2k for my old car and a purchased a citroen ds3.
having nothing but trouble with that car so many trips backwards and forwards they offered to put me into another citroen ds3 higher up model. I decided okay after I was fed up with the trouble. I now pay more a month but had trouble with this one to. Been backwards and forwards for a year with it. Even my finance company have been involved. They have advised to to contact the financial ombudsman, they are shut until Monday. I have just had enough of the car. The trips backwards and forwards to still have problem. Also have to keep paying for a courtesy car.

Does anybody know where I stand as I just want them to take the car back and clear what ever is outstanding as I went in with 2k deposit bought all new tires new breaks etc

[Old Bloke]

Very disappointing obviously, but you really need to be a bit more specific, for example what the problems are, why you have had to pay for a courtesy car and have you had severe problems or niggles. The financial ombudsman will not be of much use in sorting this, it will drag on and on. How old is the car and who is the finance company?

[tom8y]

There is a post in the technical catagory with a list of problems. I've just has enough now. The 2nd car was about 18 months old when I got that one. Used approved citroen. Yeh right. And finance is pcp with barclays

[Old Bloke]

Your rights with any form of finance agreement are that in the event of the vehicle not proving of sufficient standard to last the term of the agreement, you can write to the finance company, with a copy to the dealer, and inform them that you intend to withhold payment. By doing this and receiving a reply it will make clear that you are not in default. So very important. You will need to make clear that you have given the dealer every opportunity to rectify any faults. Tyres and brakes will be discounted as wear and tear items. The finance company,(after prevarication) will speak with the dealer and ask the dealer to negotiate with you. The problem here is that when you do this you should stop using the vehicle, as you cannot claim it is not suitable for purpose and then continue to use it. Also all payments up to that point should be up to date. You will need a list of your problems - so obtain a copy of the history from the dealer and a copy of your order form and finance agreement. The point that will arise is usage of the vehicle. If for example you have covered, say 20,000 miles in 12 months then the dealer and finance company can legitimately say that you have had the benefit of use and use of a vehicle is not free so they will factor in depreciation in any settlement. If you have hardly been able to use it due to the problems then that works in your favour. The plus point of a PCP is that you will have stated your estimated mileage and therefore can state that the dealer and the finance company have a clear record of your intended use and the car is not fit for purpose.
We all have rights but it's not cut and dried and your reasons for wanting to withold payment need to be set out clearly. Hope this post helps.

[tom8y]

Your rights with any form of finance agreement are that in the event of the vehicle not proving of sufficient standard to last the term of the agreement, you can write to the finance company, with a copy to the dealer, and inform them that you intend to withhold payment. By doing this and receiving a reply it will make clear that you are not in default. So very important. You will need to make clear that you have given the dealer every opportunity to rectify any faults. Tyres and brakes will be discounted as wear and tear items. The finance company,(after prevarication) will speak with the dealer and ask the dealer to negotiate with you. The problem here is that when you do this you should stop using the vehicle, as you cannot claim it is not suitable for purpose and then continue to use it. Also all payments up to that point should be up to date. You will need a list of your problems - so obtain a copy of the history from the dealer and a copy of your order form and finance agreement. The point that will arise is usage of the vehicle. If for example you have covered, say 20,000 miles in 12 months then the dealer and finance company can legitimately say that you have had the benefit of use and use of a vehicle is not free so they will factor in depreciation in any settlement. If you have hardly been able to use it due to the problems then that works in your favour. The plus point of a PCP is that you will have stated your estimated mileage and therefore can state that the dealer and the finance company have a clear record of your intended use and the car is not fit for purpose.
We all have rights but it's not cut and dried and your reasons for wanting to withold payment need to be set out clearly. Hope this post helps.

thanks for your reply. That's helped me a lot. When I go to the dealers tomorrow I'll ask to speak to the manager and explain what my in tensions are. See what he says.

[Old Bloke]

Well maybe it's not what you want to hear, but I wish you luck.Hopefully you can work with the manager and resolve it.
Best wishes.

[tom8y]

Well maybe it's not what you want to hear, but I wish you luck.Hopefully you can work with the manager and resolve it.
Best wishes.

Rang me today asking if the can have the car in tomorrow aswell. That's Monday Tuesday and Wednesday. They think o need a new cambelt bow to