Thank god for Credit Cards

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Landshandy

Landshandy

Active Member
Posts
653
Just like to say I recently bought a 52 plate Disco 2 GS with 90K (was advertised with 88K) for £4500 with FSH and 6 months warranty from a dealership.

Well thank god for buying it on credit card as the extra £200 was worth it as I slowly realised my vehicle, which was advertised as "in excellent condition" came up with numerous issues after 20 miles and following a inspection by a Land Rover specialist (LRR in SE7 recommended by Tobytess) and the following ghoulies have appeared.

~~Vehicle Inspection Report
• OSR hub leaking
• Rear differential seal leaking
• OSF track rod rubber split
• Fuel connector leaking
• Engine oily – requires steam clean
• Steering box leaking
• Exhaust stud snapped and rusted in manifold
• Air flow meter was ‘unplugged’
• Turbo oil return pipe leaking
• Passenger mirror broken (dealer said they would send a replacement)
• Central locking not working via remote (only driver’s door)
• Ignition key does not fit door lock (problems if remote goes down?)
• NSR door button not going up or down
• Gear selector temperamental going into reverse
• Drivers window runner rubber broken in corner
• OSF drops sideways when being lowered
• Air suspension fault
• TC and ABS fault – ‘shuttle valve’ ( ongoing Disco 2 problem)
• Roof bars miss-shaped
• Interior headlining ‘bubbling’
• Vehicle shows ‘positive’ head gasket test
• Small water leak from behind water pump housing
• Oil pressure switch wire broken
• Washer jet drivers side not working
• Steering wheel/tracking out of line

Unfortunatley this doesn't match the "Excellent Condition Throughout" as advertised and the lack of contact with the dealer who never calls or sorts things out has annoyed me. Thank god for section 75 of the Consumer Credit Act 1975.

Well worth the extra money
 
Having read through that list.. I'd say you'd bought a perfectly good disco. They leave the factopry with more "faults" than you have listed. So for £4500 you've got a minter.. :rolleyes:
 
Paid well too much. Rofl and to be honest that fault list for a disco of that age isn't that frightening hgf is a bit of a pig but otherwise fairly normal.
 
Brought my high miler 2002 facelift ES for half that and apart from a watts linkage an engine oil leek and leaky roof it's been great. Hope to double my money in the autumn. ;). Lol
 
I'm not sure the point you're trying to make...are you saying that buying it on credit card has protected you and were you able to return it to the dealer? If not what's the advantage you're trying to suggest of buying it on credit card?

by the way...hope it all works out whatever you do next.
 
Mendez said:
I'm not sure the point you're trying to make...are you saying that buying it on credit card has protected you and were you able to return it to the dealer? If not what's the advantage you're trying to suggest of buying it on credit card?

by the way...hope it all works out whatever you do next.
Click to expand...

I'm guessing he is saying that due to the fact when you pay by credit card, your contract is with the card company. Not the car dealer. As in if you buy a new tv on your card, drop it on your way out the shop, the card company pay for a new one. Think thats how it works anyway..:confused:
 
Looking through the list of 'faults' there's nothing that can't be sorted out. The vehicle is nearly 13 years old, it's a Land Rover and will require ongoing attention, you have to get your hands dirty at times, what do you expect? If you were that concerned why didn't you have it inspected prior to paying for it? Price wise it's probably worth £2000 to £2500 depending on the time of the year. I daresay if you had turned up with cash you may well of had a deal. Seems to me the seller saw you coming :eek:
 
meego said:
I'm guessing he is saying that due to the fact when you pay by credit card, your contract is with the card company. Not the car dealer. As in if you buy a new tv on your card, drop it on your way out the shop, the card company pay for a new one. Think thats how it works anyway..:confused:
Click to expand...

Don't think I'm 100% with you my friend. If you buy something on CC, and there's no fraud involved (i.e. you weren't conned), then I can't see how the cc company can help you? So dropping the TV for example would be your fault and not the fault of the seller. By the same token if you buy a car on credit card I don't see how that protects you from the "buyer beware" principal unless of course you can prove the dealer was fraudulent somehow...?
 
Mendez said:
Don't think I'm 100% with you my friend. If you buy something on CC, and there's no fraud involved (i.e. you weren't conned), then I can't see how the cc company can help you? So dropping the TV for example would be your fault and not the fault of the seller. By the same token if you buy a car on credit card I don't see how that protects you from the "buyer beware" principal unless of course you can prove the dealer was fraudulent somehow...?
Click to expand...

I think this is what I was referring to. Purchase protection Section 75. I would say being miss sold a vehicle falls into this. You might not.....my friend.;)

Section 75 refunds: free protection over £100 - MSE
 
Yeah but the difficulty anyone is going to have with this is satisfying the condition that the seller is guilty of "negligent mis-representation"...i.e. by describing the Disco as "excellent condition throughout" was the seller negligent. In my opinion he was....but car dealers are slippery fish.

I wonder if anyone on the forum has had direct experience with this and successfully got their credit card company to give them a full refund in a similar situation?
 
Mendez said:
Yeah but the difficulty anyone is going to have with this is satisfying the condition that the seller is guilty of "negligent mis-representation"...i.e. by describing the Disco as "excellent condition throughout" was the seller negligent. In my opinion he was....but car dealers are slippery fish.

I wonder if anyone on the forum has had direct experience with this and successfully got their credit card company to give them a full refund in a similar situation?
Click to expand...


Isn't that what the OP is saying.:confused:
 
I'm a bit confused (nothing new :eek:) but the OP's saying all sorts of faults occured at 20 miles yet looking back over his posts he's on about remaps, new wheels, roof racks, bullbars and a host of other things he plans on doing including going off road in the sand dunes of Morocco. So if I'm reading this correctly he was actually happy with it :confused:. Most of the things on the report were perfectly acceptable for a 13 year old car, particularly a landy. Most of us on here could sort these problems out, there was nothing major. I think he just needs a bit of guidance into the world of landy ownership and he'll be fine. Ok he paid too much for it perhaps, but haven't we all made mistakes in the past? I know I have. Taking it out on the credit card company seems a bit unfair and probably pointless.
 
Last edited:
Thanks for the reply's, some interesting responses. I bought it on credit card for payment protection.
As some have stated, section 75 of the consumer credit act gives me added protection for the expense of paying a few hundred more for the credit card fee. This act states that the product has to be as described, if not I can ask for a refund or for the vehicle to be repaired to a condition that matches that description.

I've chosen to get the vehicle repaired to a condition that would make it road worthy.

The dealer should have checked the vehicle to make sure it was in the condition he said which he described as 'excellent condition'. Just because it's a Land Rover Discovery 2 doesn't mean excellent is anything less than it would be for any other car. When I complained I got promises to sort something out then silence from the dealer so I asked the credit card company to step in.

In addition i'm just getting into Land Rovers but know nothing at present. I'm looking to take a course part time to learn how to do basic mechanics. My issue is that I live in central London and in an area where a parking space (let alone a driveway) comes at a premium so currently don't have the luxury to be able to carry out complex work on my own.

The seller advertised it at £4500 so didn't see me coming. I expected to have a well maintained car that had been well looked afternoon and displaying non of the faults laid out hence the higher price. To make sure I wasn't screwed over I paid by credit card to get the protection under section 75. Even if I turned up with cash I don't think anyone reduces it down by half to get me a "deal".

So to summarise I was stating the benefits of buying a second hand car from a dealer on credit card as it gives you extra protection from problems that should not occur shortly after purchase. A car dealer has to make sure the vehicle is in a suitable condition when they sell the vehicle and not mislead buyers and have test driven the vehicle. If the dealer isn't playing ball then you can claim from the credit card company.
 
Landshandy said:
Thanks for the reply's, some interesting responses. I bought it on credit card for payment protection.
As some have stated, section 75 of the consumer credit act gives me added protection for the expense of paying a few hundred more for the credit card fee. This act states that the product has to be as described, if not I can ask for a refund or for the vehicle to be repaired to a condition that matches that description.

I've chosen to get the vehicle repaired to a condition that would make it road worthy.

The dealer should have checked the vehicle to make sure it was in the condition he said which he described as 'excellent condition'. Just because it's a Land Rover Discovery 2 doesn't mean excellent is anything less than it would be for any other car. When I complained I got promises to sort something out then silence from the dealer so I asked the credit card company to step in.

In addition i'm just getting into Land Rovers but know nothing at present. I'm looking to take a course part time to learn how to do basic mechanics. My issue is that I live in central London and in an area where a parking space (let alone a driveway) comes at a premium so currently don't have the luxury to be able to carry out complex work on my own.

The seller advertised it at £4500 so didn't see me coming. I expected to have a well maintained car that had been well looked afternoon and displaying non of the faults laid out hence the higher price. To make sure I wasn't screwed over I paid by credit card to get the protection under section 75. Even if I turned up with cash I don't think anyone reduces it down by half to get me a "deal".

So to summarise I was stating the benefits of buying a second hand car from a dealer on credit card as it gives you extra protection from problems that should not occur shortly after purchase. A car dealer has to make sure the vehicle is in a suitable condition when they sell the vehicle and not mislead buyers and have test driven the vehicle. If the dealer isn't playing ball then you can claim from the credit card company.
Click to expand...
All very nice but "you was robbed" all the same :-D
 
Nigel-S said:
I'm a bit confused (nothing new :eek:) but the OP's saying all sorts of faults occured at 20 miles yet looking back over his posts he's on about remaps, new wheels, roof racks, bullbars and a host of other things he plans on doing including going off road in the sand dunes of Morocco. So if I'm reading this correctly he was actually happy with it :confused:. Most of the things on the report were perfectly acceptable for a 13 year old car, particularly a landy. Most of us on here could sort these problems out, there was nothing major. I think he just needs a bit of guidance into the world of landy ownership and he'll be fine. Ok he paid too much for it perhaps, but haven't we all made mistakes in the past? I know I have. Taking it out on the credit card company seems a bit unfair and probably pointless.
Click to expand...

Those comments were whilst these issues were going on, and I was trying to solve the problems with the dealer. When I took the vehicle to a land rover specialist (in London there was a 4 week waiting period) only then did they see all the issues.

In regards to the credit card company they are insured and also make plenty of money off me with there 12.5% APR so I save my tears lol.

I still plan to do lots of work to it over time and I'm not claiming for such things as the air suspension as I plan to replace that. I'm just sick of living in a world where people screw others over and try and get away with it. Honest and integral people are hard to come by these days.

Appreciate your offer for guidance, god knows I need it and hope to build my knowledge over time so I can fix things myself.
 
Vehicle Inspection Report
• OSR hub leaking
• Engine oily – requires steam clean
• Central locking not working via remote (only driver’s door)
• Ignition key does not fit door lock (problems if remote goes down?)
• Gear selector temperamental going into reverse
• Drivers window runner rubber broken in corner
• Air suspension fault
• TC and ABS fault – ‘shuttle valve’ ( ongoing Disco 2 problem)
• Roof bars miss-shaped
• Interior headlining ‘bubbling’
• Oil pressure switch wire broken

most of these "faults" would have been very visible to yourself and Im not sure that really the seller would be responsible to fix these?

Like the headlining being bobbled... i mean come on... if it was there before you paid for it then what did you expect.

Engine being oily.......

Did a bird poo on it when you left the dealer that he now has to clean off it?

I appreciate that some of the faults would be covered under a dealers warranty period (which applies without paying for it with a credit card by the way) but if there was a stack of warning lights on when you took it for a test drive (assuming you did) why would you then pay over the odds for it?
 
Of course not. Under UK CC laws, the CC company is jointly responsible for the item, so if you can't get satisfaction from the retailer, you can from the CC company.

At what point do you get a refund and the product??
 
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