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PCP Termination on Medical Grounds

TCE home 2021 Forums Car finance PCP Termination on Medical Grounds

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    • #94110
      Alex
      Guest

      Hi All,

      My Fiancé bought her first new car 6 years ago and recently traded it into the same dealership and picked up a second new car on PCP.

      She has been driving for 10 years and has never had any health conditions previously. She had a seizure/episode at work about 4 weeks ago and after going through various tests and many trips to see her GP and consultant, over the last 3 weeks, she has been diagnosed with epilepsy.

      This has been a crushing time for her, having to surrender her license for a minimum of 10-12 months and on top of that, we have a 10 week old car sat on the drive that she isn’t allowed to use.

      I’m after some advice as we have called the finance department where she purchased the car and they are being less than helpful right now. She loves the car and loves to drive even more so but she cannot keep paying out for a car and public transport.

      Thank you for your time.
      ~Alex

    • #94118
      Stuart Masson
      Moderator

      Hi Alex. There are no grounds to terminate your finance agreement on medical grounds.

      The finance company may not be acting in a particularly helpful tone, but legally they don’t have to do anything.

    • #165545
      Jp
      Guest

      Under a pcp contract it states the car is to be insured at all times, due to your partners diagnosis she will have to inform the insurance company who will void the insurance, there for you can not comply with those parts of the PCP contract through unforseen/acts of god situation. Look up your contract and read the terms, you may be able to use that to get out!

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