20 January 2018 at 12:32 pm #127501
I bought a car last Saturday (on finance) and drove it home. Over the weekend I did about 100 miles in it. Wednesday this week I received a letter from a court – about a case I knew nothing about – saying that I have been banned from driving for six months, due to a totting-up of points. The ban is kosher. I didn’t receive the paperwork, but I can’t get out of it.
In the small print of the HP agreement it states that I must insure the car fully comp, in my name. This, of course, I cannot now do, as I don’t have a licence. I have spoken to the finance company who say that if I don’t either (a) hand the car back to the dealership, or (b) sell the car privately, they will declare me in breach of contract.
Thee is nothing wrong with the vehicle – it is a beautiful Aston Martin – but I cannot keep it, as I cannot insure it.
Am I able to simply ‘reject’ the car, under the new (2015) consumer legislation? The dealership have said they want £7k to take the car back…
Your early replies to this matter would be appreciated…
23 January 2018 at 2:41 pm #127574
Hi Rob. No, I don’t think you have any grounds to reject the car under the Consumer Rights Act if there’s nothing wrong with it.
The Act does not cover your inability to drive the car or anything else that may prevent you from keeping it (eg – inability to afford payments, nowhere to park it, don’t like it anymore, etc.)