consumer rights

bodybag

bodybag

bodybag

Associate
Joined
24 Jul 2005
Posts
407
Location
Middlesbrough
hello people

I popped into my local garage 2 days ago and noticed a car that I liked. The chap behind the desk done all the sums and give me a price I need to pay a month for it.

Ok I said, I put 200 pounds deposit on it and signed all the agrements.
he said the car can be picked up this tuesday.

After a long hard think, I decided i cant really afford the car and contact the garage, they say I cant back out and its gone too far.

what are my rights?, surely I have a cooling off period...... :confused:

your help is appreciated.
 
thanks for your quick reply!

Im not too bothered about the deposit, I just want to make sure that I am in the right to cancel.

I am a first time buyer, and just jumped in feet first.... :(
 
Im getting different advice from people.

people are telling I have entered into a contract and I have no rights at all :eek:

I think my best bet would be to phone CAB in the morning....
 
You have entered into a contact, but you do have the right to cancel.

You WILL lose your deposit.

I do this for a living so I know the score.
 
Unless you've signed a finance agreement, these can be difficult to cancel.

If its a motor loan of some description then once its paid out you can't cancel.

If it HP then you have 14 days to cancel.
 
I did sign all of the agreements including the finance, the garage tell me that the finance company has paid out.

Although they still have the car/documents............
 
bodybag said:
I did sign all of the agreements including the finance, the garage tell me that the finance company has paid out.

Although they still have the car/documents............
Click to expand...

Yeah same with buying something in a shop, finance needs to be paid out before you can collect it.

Do you have a copy of the agreement?
 
er read the things you signed, all the info you need will be there.

Isn't there a cooling off period for agreements like this?
 
He's breaking FSA regulations by not giving you a copy of the agreement to start with.

The FSA dont look too well on this.

Threaten to contact the FSA with regards to the finance, he'll soon bend over and take his pants down for you
 
Cant give a contract without first showing the offer to you, in this case its the agreement which shows the terms of the contract. Legally, there is no binding contract if you havent been shown these documents.

On Finance a car retailer usually asks for a deposit then you wait for the car to arrive then you sign the final finance papers and the cars yours, if you dont sign you lose the deposit and the car but you dont have to sign....whether this is a legal process I dont know.

You seem to have said all these legal documents and so on have been signed and your just waiting for the car..yeah?
 
zain said:
Cant give a contract without first showing the offer to you, in this case its the agreement which shows the terms of the contract. Legally, there is no binding contract if you havent been shown these documents.

On Finance a car retailer usually asks for a deposit then you wait for the car to arrive then you sign the final finance papers and the cars yours, if you dont sign you lose the deposit and the car but you dont have to sign....whether this is a legal process I dont know.

You seem to have said all these legal documents and so on have been signed and your just waiting for the car..yeah?
Click to expand...

yep, all signed for...Im going to phone CAB in the morning, and ask them what my position is, If im forced to buy it so be it.............its a learning curve for me.... :mad:

The garage has given me some sort of receipt, obvioulsy with my signature on it....the value of the car..all the usual, model, reg...
 
bodybag said:
After a long hard think, I decided i cant really afford the car and contact the garage, they say I cant back out and its gone too far.
Click to expand...

I think you should get professional advise if the garage continue to say you are contracted to buy the vehicle. From experience from my father in laws garage the moment the finance company pays up they own the vehicle and you have it on a hire purchase agreement.

Too many people like yourself have chosen not to complete contracts over the last year as money gets increasingly tight. Without meaning to criticize you from your own admission you didn't put enough thought into it before you agreed to purchase it.

I think you will get out of it but you may have a bit of a fight.
 
It sounds like it may be too late due to the finance being completed. However, if you have not been given the appropriate documents such as the T&C's of the finance then you may well be able to use that to argue that a contract was not completed.
 
May I ask what car, spec and how much it costs per month. Is it over 60months?

If you cannot get out of the contract then there may be better alternatives.
 
Sounds like you got 3 wishes with the devil or something :eek: Now your soul is forfeit boy :p I avoid dealerships like a plague, too much fast talking. I'll go to auction if I want that
 
You must log in or register to reply here.
Back
Top Bottom