Thank god for Credit Cards

vilguy said:

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?

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As mentioned I'm not getting everything fixed, it's just to highlight that it wasn't in excellent condition. I already stated I didn't know much about cars so making comments like bird poo aren't exactly showing your ability to understand what I'm trying to do by telling people to cover themselves with a card payment. This is just the report from the garage that they provided. The lights came on after 20 miles and did so around the same time I noticed the injector was broken (I first thought it was the gear box).

I have a warranty but when I tried to get it done under this I asked the dealer to recommend a garage and he said he would sort it. He sent me to a garage in east London (1hr and 20 mins drive across London for me). Turns out this guy he uses has only seen him once, he told him to fix it and the warranty company refused to pay as the injector isn't covered. I needed the car and was stuck so had to pay myself and since then the dealer has refused to return my calls and lied on several occasions about sorting it. Consequently I am now going through the card company.

We all have to start somewhere so I apologise if didn't do a complete AA check.

DiscoPol said:

All very nice but "you was robbed" all the same :-D

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ha ha ha true

Saltlick said:

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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I can either chose to return the item or get it brought up to a satisfactory standard. I've been to 3 different garages and got 3 quotes for labour and this was the middle. Chap was recommended by someone on here and has been honest with me.

Pretty shrewd move to buy something on a CC if you're not particularly mechanically minded.

Buying from a dealer is quite different from buying privately. You have much more rights. Comments like "what do you expect" are clearly from individuals ignorant their rights.
Doesn't matter what it is or how old it is, it's their description that counts.
The price paid also factors into things should it ever get a bit grown up and go to court. The fact that the OP paid a premium above average for the vehicle would suggest that condition-wise it should be commensurately above average to reflect the price paid.

Enforcing your rights is quite another thing, but never the less, you do have them...

iirc don't you just need to pay over £100 on the cc to be covered?

so you pay £100+ on the cc and the rest in cash. saving the extra % fee the cc charge you.

cc company is still liable for the full amount, even the cash.

double check that

trax said:

iirc don't you just need to pay over £100 on the cc to be covered?

so you pay £100+ on the cc and the rest in cash. saving the extra % fee the cc charge you.

cc company is still liable for the full amount, even the cash.

double check that

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Hi Trax, that's correct. You can do a partial payment over £100 and under £30,000 and you are covered by the consumer credit act section 75 for everything.